Physiotherapist, which insurance to choose?
We will explain everything you need to know about insurance if you are a physiotherapist.
In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a physiotherapist? What are the main risks in your business? When do you become responsible as a physiotherapist?
We explain everything to you and give you the list of the best physiotherapist insurance.
Summary
Physiotherapist, what are your compulsory insurances?
What is the price of professional physiotherapist insurance?
Professional civil liability insurance for physiotherapists
What are the best physiotherapy insurance?
Physiotherapist, what are your compulsory insurances?
Professional Liability
Status
Compulsory if you practice as a liberal and optional if you are an employee or a student on an internship
advice
Recommended for everyone to protect themselves in the event of misconduct or professional accidents (which may expose you to criminal charges)
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Professional multi-risk
Status
Mandatory if you have a private workplace (practice)
advice
Covers your business premises and loss of activity linked to a disaster (fire, burglary, etc.)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional physiotherapist insurance?
Professional Liability
Average annual price (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average annual price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our physiotherapist insurance comparators
COMPARE 12 CONTRACTS
RC PRO INSURANCE
COMPARE 34 CONTRACTS
OF TNS MUTUAL
COMPARE 7 CONTRACTS
MULTI-RISK INSURANCE
Professional civil liability insurance for physiotherapists
The physiotherapist RCP protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace.
Your Civil Liability as a physiotherapist can be engaged if three elements are met:
A person has suffered damage, that is, physical or material damage.
You have made a mistake, an imprudence or even an omission.
There is a causal link between your fault and the damage suffered.
Although you do not have a legal obligation to take out professional liability insurance if you are an employee, this insurance is highly recommended. Indeed, a patient can call into question your personal responsibility when it has no link with the establishment in which you work (for example during an intervention outside the establishment or the practice in which you practice, or in case of fault.
This insurance is compulsory if you are a physiotherapist practicing in private practice.
What are the guarantees of RC Pro physiotherapist insurance?
Public liability
Main risks
Faulty equipment, incorrect movement or improper handling injuring the patient
Probability
Important
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