iO Insurance Products


The iO offers a competitive range of insurance cover designed to protect members, their practice and patients – backed by friendly, expert advice and support.


Professional liability insurance

Our bespoke policy is designed specifically to meet with the needs of registered osteopaths, protecting you in the event of a patient’s claim for compensation. The cover complies with the statutory requirements imposed by the General Osteopathic Council (GOsC) and protects an osteopath for claims liable for damages, legal fees and other related costs. The iO package, tailored to osteopaths, has additional extensions that are useful and go beyond the statutory requirements. Fees for UK osteopaths (£10 million cover): £339 per annum or £28.25 per month by direct debit (correct at time of publication – December 2020).

If you are a first-year graduate, click here for more information about new graduate insurance and discounts.


iO Entity cover

If an osteopath owns a practice where other practitioners work under their corporate identity, they may attract additional risk, than that of a sole practitioner. The iO Professional Liability Insurance policy can be extended to include contingent risks arising from your business, where you have other therapists working in your clinic. (NB: iO Entity Cover is an optional extension that needs to be agreed by request)


Working from home

Despite having general household insurance in place, it can often be a challenge to obtain appropriate and adequate cover for the business elements of your home-based clinic under a standard household policy. Most standard household policies automatically exclude any commercial activity at the insured premises. By not having declared your activities, you run the risk of invalidating your household insurance.


Clinic Insurance

A policy specifically designed to provide buildings, contents, business interruption and liability cover for the modern-day osteopathic clinic. Your policy will be comprehensive and tailored to meet your needs.


NB: Purchase of iO insurance products requires an iO membership. If you are an iO member, you can find full details of all our insurance products below. If you are not yet an iO member, or require further help or information please call the membership team on 01582 488 455 or email


The Institute of Osteopathy (iO) is an Appointed Representative of James Hallam Ltd. for insurance mediation activities. James Hallam Ltd. is authorised and regulated by the Financial Conduct Authority (FCA) under FRN 134435.


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About iO Professional Liability Insurance
Entity Insurance (Contingency Medical Malpractice)
Working from Home Insurance


Clinic Insurance

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