Professional Indemnity Insurance


Regular interaction with patients is a consistent part of any physiotherapy practice and is a daily occurrence. With this in mind, you may face situations where your patients look to hold you responsible for injuries they deem to have received as a result of your professional services.

Professional Indemnity insurance (PI) protects you against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a physiotherapist. PI protects physiotherapists by ensuring that your legal defence is coordinated and paid for if a claim is made against you. Your PI also covers the cost of patient compensation, or damages.


Your Professional Indemnity Insurance also provides you with the following additional coverage:

Disciplinary & Regulatory Proceedings

Coverage is extended to include costs relating to investigations and disciplinary hearings by the Physiotherapy Board if your professional conduct is called into question or should a complaint be made against you.

Inquiry Costs And Expenses

We will pay your costs and expenses, up to the sublimit, resulting from your response or attendance at any inquiry into the performance of your professional services, first commenced during the policy period or arising out of a claim made or circumstance notified during the policy period.

Intellectual Property

We’ve all had that moment; where you think of a brilliant business idea only to find someone has already beaten you to it. What happens if you implement a new idea in your business, only to find out that you have unintentionally copied someone else’s idea? Your PNZ Insurance policy protects you against any alleged or actual (and unintentional) infringement of a copyright, trademark, registered design or patent.

Public Relations Expenses

Reputation can mean the success or failure of a business. As a PNZ Member participating in the Insurance Program, you have access to cover for costs involved with engaging a Public Relations Consultant to work with you to maintain your public image where an allegation is made regarding the quality of your professional services which may lead to a claim.


This policy is fully compliant with the Physiotherapy Board regulation and registration requirements and will be subject to regular review by industry experts to ensure continual cover enhancement.

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