Oooh ... I feel important! I've been mentioned by name!
Yes, I have a grotty time with my back (mostly lower back/pelvis and neck). I don't know anything about personal accident insurance though, but would certainly never get it now with my history!! I've dislocated my pelvis (or whatever it is that "goes") badly on two occasions, but am in some discomfort now most of the time. God, don't I sound like a right misery.
I see a chiropractor very regularly but, apparently, can't claim the cost on my expenses because it is a "self-inflicted injury" (ie. my choice, ha ha). She says that it is specifically my job that is now causing the problems because there is no "break" from lifting/carrying that you would normally get if they were your own children - they get bigger, you don't carry them.
I am probably much much older than all you lot so I've got a pretty knackered body anyway, and have been minding for 12 years. I also know of a couple of minders who've given up because of bad backs. Unfortunately, I love my job and will probably still be doing it when I invest in an electric wheelchair (my chiropractor gets very cross with me now for making jokes like that, she wants me to retire gracefully).
So, none of that helps answer your question at all Isyhan - sorry! I wonder if you can get insurance cover for something that is likely to cause you problems anyway? I'd be interested to know so I can tell all the new minders locally.