Private practices and the independent sector – coronavirus FAQs

Physio First and the CSP have collated advice for members intended to enhance but not replace the guidance provided by Public Health England (PHE) and the relevant government departments. 

See also government and financial support to businesses and self-employed members.

The timeframe that we recommend you use is from the start of lockdown on 23rd March  to July 2nd 2020.These are the dates that we believe Aviva have accepted and are the dates relating to the publication of key advice regarding to face to face consultations. 

These FAQs have been specifically written for members working in the independent sector. Please also see our coronavirus clinical guidance section, especially the maintaining safe services page.

To find a wider set of resources for members working in the independent sector, visit our independent practitioners section.

Running courses

When can I return to running courses in person?

While restrictions are beginning to ease we are being asked more and more about returning to offering non-essential courses in person. We are all still being urged to be cautious. You will have to risk assess each situation and ensure you are able to justify why training in person is needed. We would advise that all courses must be risk assessed and Covid safe measures put in place. In addition members must consider:

  • What is the latest government guidance for individuals meeting indoors? If not allowed, why is this different?
  • What Covid measures will have to be put in place? See our guidance on risk assessing the working environment.
  • Why is this training essential while we are still in the midst of the pandemic?
  • Will social distancing be easy to adhere to?
  • Will PPE be required?
  • What is the ventilation in the room like?
  • What else is the room used for?
  • What will the cleaning regime be?

Furthermore, where workplace in-service training remains virtual, members must consider the implications of their attendance at a course in person.

Similar considerations should be given to mandatory training and where such training is an update you must consider whether it is urgent for patient and staff safety or whether you can you justify delaying at this time.


Is my public liability insurance affected by the Covid-19 pandemic?

Members can be reassured that the CSP's PLI scheme provides cover for medical malpractice and professional indemnity liabilities subject to the terms and conditions of the policy. This means no special restrictions or conditions are contained within the policies relating to Covid-19. However, we direct members to be clear on the following:

  • The policies do not operate where members practice illegally. This includes not adhering to PHE guidance on PPE.
  • In situations where members are resuming services as restrictions lift, they would be expected to follow all  recommended measures to ensure the safety of themselves, patients and staff. The PLI scheme does not provide employers liability insurance, so members with employed staff should seek separate guidance on this class of insurance.

(Last reviewed 12 Jul 2021)

Will my Business Interruption Insurance policy cover me for Covid-19?

Businesses are encouraged to check the terms and conditions of their specific policy and contact their providers.

However, we are aware of significant concerns from members with regards to their ability to claim. We understand that concerns include insurers rejecting claims based upon:

  • “Physiotherapy businesses” not appearing in the Government's list of business that must remain closed.
  • Technical points within their policies the interpretation of which our members do not agree with.
  • When enquiring about what your policy covers or indeed how insurers are interpreting your cover, remember that your insurance broker acts for you, so do make them your first point of enquiry.

Steps you can take in the meantime: 

Step 1. 

Business insurance policies are broken into sections covering different types of events, which means you might have a section for damage to your property and another for injury to customers.

If you are covered at all, then the Business Interruption section of your policy will be the relevant one for coronavirus (note we are focusing on general cover for the business itself; some businesses will have other types of more specialist cover with its own sections and terms, such as Group Personal Accident or Health Insurance for your employees).

You can find this section by looking at your policy schedule to see if the Business Interruption section is included, then follow this into your policy wording to see what it covered and if there are any extensions applicable or restrictions to this cover.

Step 2. 

Read the policy wording to see if you have cover against coronavirus Covid-19. Typically, business interruption cover can protect against virus outbreaks and diseases like coronavirus. 

To find out if you’re covered, you need to:

  • Look for a list of specific diseases that are covered. Generally the insurer's list of covered diseases will include: Acute Encephalitis, Acute Poliomyelitis, Anthrax, Chickenpox, Cholera, Diphtheria, Dysentery, Legionellosis, Legionnaires Disease, Leprosy, Leptospirosis, Malaria, Measles, Meningococcal Infection, Mumps, Ophthalmia Neonatorum, Paratyphoid Fever, Bubonic Plague, Rabies, Rubella, Scarlet Fever, Smallpox, Tetanus, Tuberculosis, Typhoid Fever, Viral Hepatitis, Whooping Cough or Yellow Fever.
  • Look through this section for any applicable cover relating to ‘Notifiable Disease’ (without a specified list) or contagious and/or infectious disease. You may find this under the ‘Extensions’ section of your policy wording.
  • Coronavirus Covid-19 has been labelled by the government as a ‘Notifiable Disease’, which means if your policy covers these diseases (without a specified list), you may have some cover in specific scenarios.

    Step 3 

    Read the wording to determine how broad your cover is and in what scenarios it applies
    Even where coronavirus can be covered (as a Notifiable Disease, for example) your Business Interruption section won’t cover you simply because the virus exists, and certain events will need to happen before your insurance kicks in, such as:

  • Your business being closed by the government or a local authority.
  • The Notifiable Disease is present at your premises or within a specified distance of your premises (refer to your individual policy wording for the specifics to your policy).
  • Insurance policies, and particularly the Business Interruption section, will be in place to potentially provide cover for loss of income or profit (depending on your policy) should your business be closed.
  • If you’ve suffered a reduction in customers due to coronavirus or Covid-19, it’s unlikely there will be cover in place for this. Similarly, if there is a delay with suppliers or stock, it’s unlikely that cover will be in place to recover these costs or any money lost as a result of the delays or cancellations.

    It’s also worth considering that the ‘normal’ risks involved in running a business, such as accidents, and thefts, could also increase as a result of the coronavirus outbreak, particularly if your business is operating with fewer staff, or if police forces are stretched and crime rates increase.

    It’s worth making sure your business insurance is up to date and covers you against these ‘everyday’ risks.

    (Published in conjunction with Physio First)

    (Last reviewed 12 Jul 2021) 

Is there an update on Business Interruption Insurance?

Please see this news article for the most recent information:


     (2nd August 2021)

Business considerations 

What if the practice can’t meet any contractual obligations (e.g. NHS or corporate contracts) because of the disruption?

Most contracts have a force majeure clause to help a practice if it cannot meet its contractual obligations, because of something happening outside their control; known as a force majeure event.

Covid-19 can amount to a force majeure event. If, because of issues with Covid-19, a practitioner is ill or the practice has to close, the practice can claim that they have been prevented from meeting their obligations because of a force majeure event.

(Published in conjunction with Physio First)

(Last reviewed 12 Jul 2021)

I have additional business questions. Where can I find answers to these?

Physio First is the CSP professional network for private practitioners. It is a membership organisation but at this time they have generously made business advice for any private practitioner accessible on their website.   

 Covid testing 

Can I undertake Covid testing / Fit to Fly testing as part of my physiotherapy role?

No. Undertaking asymptomatic Covid testing of people is not physiotherapy and is not part of the scope of physiotherapy practice. These activities are not covered by the terms of the CSP PLI scheme.

Asymptomatic Covid testing must not be confused with the separate activity of delivering Covid vaccination, or other vaccinations.

(Last reviewed 12 Jul 2021)

Can I undertake Covid testing / Fit to Fly testing as a separate activity to my physiotherapy role?

Yes. You must ensure that you are educated, trained and competent in asymptomatic Covid testing. You should not hold yourself out to be a physiotherapist when undertaking this role to avoid confusing people.

You must also ensure that you have appropriate insurance place for asymptomatic Covid testing. This should be from your employer if you are employed, of from another insurance provider if it is your responsibility to hold individual insurance.

(Last reviewed 12 Jul 2021)

Additional sources of support

  • Visit the Government or FSB website for further information about matters pertaining to your business. 
  • For support and friendship from our Physio First community join and participate in our private forum on LinkedIn. 
  • Keep reading these FAQs as they are updated and as things change we will be talking to Physio First regularly. 
  • The CSP Members’ Benevolent Fund (MBF) – for those experiencing financial hardship please consider approaching the MBF, a registered charity which supports past and present members of the CSP who are experiencing financial difficulty or hardship. 

(Published in conjunction with Physio First)

Last reviewed: