Insurance for Physical Therapists
Malpractice coverage for manual-therapy, exercise or treatments
Many states require it before you can treat patients
Also covers clinic accidents, a trip, fall or equipment failure
Based on 800+ Google reviews
Compare Quotes
From multiple carriers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Coverage
Delivered to your inbox
Compare Quotes
From multiple carriers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Coverage
Delivered to your inbox
Our A-rated carriers
On this page:
What does physical therapist insurance cover?
Physical therapist insurance helps protect your business from the financial impact of claims arising from the care and treatment you provide, as well as your day-to-day business operations.
Depending on the policy, coverage may include:
- Legal defense costs
- Settlements or damages
- Third-party bodily injury
- Property damage
- Malpractice or negligence claims
- Employee injury benefits under Workers’ Compensation
- Damage to business property under a Business Owner’s Policy (BOP)
Be sure to read your policy documents carefully to understand what’s covered.
Why do physical therapists need insurance?
Even with the right qualifications and professional care, physical therapists can face malpractice claims, accidental injuries, property damage, or other unexpected incidents while treating patients. Insurance can help protect your physical therapy business from the financial impact of these unexpected events.
What types of insurance do psychologists need?
Whether you provide treatments in your home, in a fixed location or visit clients, we offer tailored Professional Liability and General Liability insurance tailored to meet your needs and budget.
Professional Liability insurance
Professional Liability Insurance covers claims arising from clinical decisions and treatment. such as exercise plans, manual techniques, or claims that therapy worsened a condition, even without your fault. We offer coverage levels up to $1 million per occurrence / up to $3 million in the aggregate.
Fast, Simple and Convenient
Start a quote to see how much you can save and buy online in minutes.
How much does physical therapy insurance cost?
Combined professional liability and general liability insurance for physical therapists starts at just $42.31 per month.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
Choose from range of flexible coverage levels to suit your complex needs.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
Choose from range of flexible coverage levels to suit your complex needs.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.u003cbru003ePer-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
Fast, simple and 100% online
Get instant coverage in easy 3 steps under 10 minutes
Enter Occupation
Select Profession
Choose Coverage
Match your specific needs
Get Covered
Instant certificate of insurance and policy documents
Small Business Insurance Experts
We are proud of our innovative insurance platform, outstanding team, and stellar workplace to have helped aspiring businesses to protect what matters most.
