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Physical Therapy Liability Insurance
Physical therapy liability insurance can help protect you and your PT business if a client claims you made a mistake in the services you provided. Physical therapy professional liability insurance helps protect physical therapists, PTAs and PT students from the costs of a liability claim.
The Hartford InsuranceBusiness InsuranceProfessional Liability Insurance
Physical Therapy Liability Insurance
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Professional Liability Insurance for Physical Therapists
As a physical therapist (PT), you and your staff work hard to help patients recover from injuries. And as much as you try to avoid them, mistakes can happen during your time with a patient. This is where professional liability insurance for physical therapists can help. It can protect you if a patient claims there was an accident or issue with the services provided.
Many states may require businesses to carry physical therapy liability insurance, also known as malpractice insurance.
Even if your state doesn’t require this type of business insurance, it’s still good to have. Without it, you may have to pay out of pocket for liability claims, which can devastate your business.
What Is the Average Cost of Professional Liability Insurance for Physical Therapists?
Physical therapy liability insurance average costs vary between states. That’s because every business is different and has unique needs. If you have a smaller physical therapy business, you may pay between $300 and $1,500 a year for PT insurance coverage. Larger facilities may pay between $800 and $15,000 a year.
Insurers use different factors to determine a business’ professional liability insurance cost. This includes:
The type of business
Location Coverage limits
Policy details, like deductible amount
Years in business Claims history
Number of licensed professionals in the business
Getting a quote is the best way to find out how much professional liability coverage will cost you.
Physical Therapy Liability Insurance Coverage
Physical therapy liability insurance can help protect your business from claims of:
Negligence Misrepresentation Inaccurate advice
Patients can also sue if you failed to protect their personally identifiable information (PII).
Professional liability insurance for physical therapists can help if a patient lawsuit claims:
Their injury got worse after following a treatment plan at home.
Your physical therapists didn't properly treat them.
A physical therapist assistant incorrectly used equipment during treatment.
If your office gets sued, professional liability insurance can give you peace of mind, helping pay for:
Defense costs Lost earnings Settlements Judgments
What Other Liability Insurance Coverages Do Physical Therapists Need?
Remember, professional liability insurance doesn’t cover every kind of claim. It's a good idea to have other types of insurance. Other liability coverages that physical therapists may need include:
General liability insurance to help cover claims that your physical therapy business caused bodily injury or property damage to someone else’s belongings. For example, let's say an exercise band snaps while a patient uses it and it hits them in the face, requiring a trip to urgent care. Your general liability insurance coverage can help pay for their medical expenses.Data breach insurance to help you respond to a breach where PII or health records get stolen or lost. Some insurers also call this coverage cyber liability insurance. This type of insurance can help pay your costs to:
Notify affected patients
Offer credit monitoring services
Create a public relations campaign to improve your business' reputation
Workers’ compensation insurance to help your employees recover from work injuries or illnesses. Our workers' compensation program offers needle stick reimbursement. So, if you or your staff get a needle stick, your coverage can help pay for testing.
Employment practices liability insurance, which helps cover employment-related claims. This includes:
Who Needs Physical Therapy Liability Insurance?
Physical therapy liability insurance can help many types of licensed healthcare professionals, like:
Physical therapist assistants (PTAs)
Aides Technicians Interns
Liability insurance for physical therapist assistants helps protect PTAs from patient lawsuits. If they make a mistake and a patient sues your business for it, this coverage can help them. They'll have the same coverage as you and other physical therapists.
Be aware that coverage eligibility may vary between insurers. For example, with The Hartford, licensed physical therapists and other professionals must be employees of your business to get coverage. If a physical therapist works for another type of employer, like a hospital, they may not get professional liability coverage.
Get a Physical Therapy Professional Liability Insurance Quote Today
You’ll want to work with an insurance partner that you know you can trust. We’re an experienced insurance company with over 200 years of experience and know that every business is unique. That’s why we’ve created coverages specifically made for small businesses.
Physical Therapist Liability Insurance For Only $149
Physical therapist liability insurance designed to fit your needs. We offer the best rates on physical therapist liability insurance. Get instant coverage in less than 3 minutes with our quick checkout process. Get peace of mind for less!
Professional and General Liability Insurance for PTs
Industry Preferred Coverage
One Policy, Multiple Modalities
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Immediate Certificate of Insurance
Preferred Industry Coverage
Rates for PTs working for a company
Rates for PTs working independently
Call our licensed insurance agents now 8009903127
Physical Therapist Liability Insurance
Call our licensed insurance agents now 8009903127 Physical Therapist Liability Insurance Professional liability insurance designed to fit your needs
Physical Therapy is a hands-on profession, which can lead to claims against you as the provider of care even if you work for a company. With My PT Insurance, you can rest easy, knowing you are covered if the unfortunate happens.
Coverage in less than 3 minutes
Proof of Insurance & certificate delivered instantly
Industry-preferred Occurrence Form Coverage
Take your coverage with you to all 50 states
One Policy Covers Multiple Disciplines
Teach yoga or a fitness class on the side? We have you covered. Your policy for Physical Therapy also covers everything on our list of modalities. You don’t pay additional fees or charges for adding modalities.
Personal Training Fitness Training Weight Lifting One on one training
Yoga Pilates Zumba Other Group Fitness
Massage Beauty Cosmetology See all 400+
Our policy and the limits have been created specifically for Physical Therapists. Call our Licensed Insurance Agents at 8009903127
$1 million per occurrence $3 million per year
Protects you in the event you are sued for claims against you during the services you provide.
$1 million per occurrence$3 million per year
Protects you in the event you are sued for general claims against you that happen in the facilities you rent or own.
$1 million per occurrence$3 million per year
Protects you in the event you are sued for claims against you that result from a product you use during a session.
Identity Protection: $25,000
Rental Damage: $100,000
Stolen Equipment: $1,000
GET THE COVERAGE YOU NEED
Call our Licensed Insurance Agents at 8009903127
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Physical Therapy Group Liability Insurance
Physical Therapy Group liability insurance protects your business. CM&F offers PT group professional, general, or cyber liability insurance
Physical Therapy Group
Give Yourself Peace of Mind With Easy & Affordable Physical Therapy Group Liability Insurance! Should the unfortunate happen, the protection you have matters! CM&F is one of the oldest and most reliable healthcare professional insurance providers in the nation.
Protecting Healthcare Professionals For Over 100 Years
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Compare our PT Group malpractice coverage policy to other PT liability insurance providers.
Physical Therapy Group Liability Insurance
Professional liability insurance for physical therapy groups, also called malpractice insurance, professional indemnity, or errors and omissions insurance, is vital to your business’s longevity should you, your employee, or your full practice be named in a malpractice lawsuit.
Even if the negligence claim is untrue, the out-of-pocket costs for legal defense is expensive. CM&F provides comprehensive physical therapy practice malpractice insurance that protects your business’s reputation and financial stability from the damages of lawsuits resulting from negligence, errors, or undelivered services. Additionally, CM&F’s professional liability insurance for PT clinics also covers Legal Defense costs as well as the payment of any Court Award or Settlement.
In the interest of providing the most comprehensive coverage possible, CM&F’s physical therapy group malpractice insurance fluctuates with the relevant laws that dictate scope of practice. Should the scope of practice for the insured change, your policy automatically includes those changes, so you never have to worry about a gap in patient care services covered.
All CM&F malpractice insurance for PT clinics policies include workplace liability insurance to provide coverage for claims of bodily injury or property damage brought by patients. Additional general liability coverage is available as an add-on in the application process.
PHYSICAL THERAPY GROUP BENEFITS
Coverage Options up to $2 Million per Claim
Full Consent to Settle Claims
License Defense Coverage
General Liability Available
Defense Costs in Addition to Liability Limits
Sexual Misconduct Defense
HIPAA Defense Coverage
24/7 Portable Coverage That Covers You Everywhere You Go - Even in Volunteer, Telehealth, or Moonlighting Assignments
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Additional Coverages Available
Physical Therapy Group General Liability
General liability insurance is critical to protecting all businesses. CM&F’s general liability insurance for PT clinics provides coverage for claims of property damage as well as bodily injury that occurs in the facility where services are provided. Additional claims covered by general liability insurance include wrongful eviction, libel, false arrest, advertising injury, as well as malicious prosecution.
General liability insurance for physical therapy groups is available as an add on to your professional liability insurance policy. Also, landlords & equipment lessors coverage can be added to your general liability insurance policy at no extra cost.
Cyber Liability Insurance for Physical Therapy Organizations
As the world becomes more and more technologically dependent each day, data breach insurance for physical therapy groups is extremely important to protect your business and it’s reputation.
Due to the costly repercussions of a cyber hack or patient data breach, over 60% of small to medium size practices are forced to go out of business. The cost of notifying patients averages $460 per individual, per hack – more than triple of what it costs for a retailer to notify their customers that a cyber security incident which has occurred.
CM&F’s patient data theft insurance for physical therapy groups is an optional coverage available to you whether you have a professional liability policy or not. Get a quote for cyber liability insurance protection.
Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!
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Average Annual Savings of up to 50%
AVERAGE ANNUAL SAVINGS OF UP TO 50%
Real Reviews From Real CM&F Customers
Reviews carousel Carousel arrows 4.8 star rating 3653 Reviews See All Reviews 5.0 star rating 03/14/22 RN
Website easy to use; well laid out with excellent explanations. Coverage afforded is great. Policy very affordable! THANKS!
LOIS R. 5.0 star rating 03/13/22 RN
I was with your company since 1963>> Thanks for always making me feel secure in knowing that you were by my side. I never ne...
Read More KATHLEEN B. 5.0 star rating 03/17/22 Easy to deal with
I appreciate the ease of obtaining coverage and even more, the ease of the annual renewal!