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Insurance for Therapists

Instant insurance for therapists. Combines professional indemnity, public liability and products liability insurance


Protect what you've perfected over years of hard work!

upcover saves time and effort by offering one affordable insurance product that covers both third party injuries and advice related complaints.

PROTECTS you for

How does this insurance protect therapy professionals?

upcover saves time and effort by offering one affordable insurance product that covers both third party injuries and advice-related complaints.

upcover offers insurance that blends professional indemnity and public & product liability insurance, offering you tailored insurance solutions for therapists at affordable prices

Professional Indemnity Insurance for therapy  (Limits up to $10m)

Qualified, mistakes happen to the best of us.

Professional indemnity protects you from claims made against your therapy business in the course of you providing your professional services.


You're a physiotherapist and a client claims you used the dry needling technique during a session that led to heart damage.

Bad advice

An occupational therapist recommends that a client can move on to solid foods but this leads the client to choke and sustain further brain injuries.


A counsellor filling in for a regular client ends up being overly directive and opinionated in respect to the past advice and support provided, leading to a loss of trust and damage to the client and counsellor relationship.

Public & Products Liability insurance for therapists  (Limits up to $20m)

Public liability insurance protects your beauty business against liability if someone gets injured on your premises or while you are providing your services.
Products liability insurance is for claims made against your therapy business for products supplied or sold by you to a third party. This might be a claim arising from a faulty product or a product that injured someone.

Public liability insurance covers cases including:

Third Party Injuries

While giving massage therapy to a client, you press on a nerve too hard causing a neck injury.

Property Damage

An Amazon delivery person trips over some physiotherapy equipment while delivering your order and injures their shoulder (that's not how you get new clients).

Faulty Products

You resell a box of fidget toys for an autistic client, however, one fidget device is faulty resulting in a choking incident.


Other insurance requirements of a beauty professional?

Equipment insurance

Your fitness business depends as much on having the right equipment as it does on your skills and prowess. Getting your equipment ready is an expensive and time-consuming process. Having done that, you want to ensure it's protected and that your investment remains safe. This is where equipment insurance comes into play.

This insurance protects your equipment - owned, rented or borrowed.

Cyber Liability Insurance

If you have personal or sensitive information of your clients, you might also want to look at cyber liability insurance. Cyber liability insurance provides coverage from losses due to a cyber-attack event and legal protection from claims arising out of a cyber breach.

Business package insurance

Business package insurance is aimed at business owners and is a comprehensive solution that protects owners against some of the main risks in running a business.

Personal Accident and Illness Insurance

Personal accident and illness insurance comes in handy for times you cannot work owing to an injury or illness.  

While professional indemnity covers you for mistakes made in a professional capacity, personal accident and illness insurance helps with loss of income for periods you can't work.
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