Insurance for Physical
Therapists

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Why do  Physical Therapists Need It?

As a Physical Therapist, you work with patients that have lost their ability to perform their usual day-to-day activities. You spend each day helping patients regain strength, balance, flexibility, and coordination so they can resume living their best lives.

The exercises you prescribe, the advice you give, and the patient records you keep will hopefully lead your clients to physical breakthroughs. Most of the time things will go to plan and your treatment will be a success, However, there may come a time when a patient isn’t pleased with your work causing you to be the defendant in a malpractice lawsuit.

Did you know?

Many Physical Therapists find limitations to their employer’s Liability Insurance. You may not be covered if a lawsuit is filed after you end employment.  You also might not be reimbursed for related defence costs or lost wages while defending yourself against the lawsuit.

Insurance for Physical Therapists

Our Miscellaneous Medical Liability package is designed to offer the maximum protection to Physical Therapists. The package includes Professional Liability insurance (Malpractice Insurance), General Liability insurance, and Cyber Liability insurance.

Each of these types of liability insurances is an important safeguard for Physical Therapists. The Miscellaneous Medical Liability package provides all the essential insurance coverage and protection a Physical Therapist needs.

Professional Liability Insurance (aka Malpractice Liability Insurance)– Physical Therapists

Each year the number of lawsuits filed against Physical Therapists continues to increase. One simple mistake on your part could lead to expensive attorney fees, court costs, and possibly a large financial settlement. To mitigate the monetary damages caused by such a situation, you will require Malpractice Liability insurance.

Malpractice Liability insurance is used by health care professionals to protect themselves from claims of medical negligence. Many States require Physical Therapists to establish a Malpractice Liability policy before they are allowed to begin treating patients.

It is recommended that Physical Therapists working for hospitals, clinics, and rehabilitation centers purchase their own Malpractice Insurance. This is because many employer Malpractice Liability Insurance plans have low limits for their employees which can leave you and your personal assets vulnerable In the event of a claim occurring.

Malpractice Liability Insurance could defend you from the following oversights:

  • Improper use of biophysical agents such as iontophoresis, joint mobilization, traction, or electrical stimulation
  • Errors or mistakes made while treating a patient with manual therapy
  • Incorrect use of therapeutic exercises and equipment
  • Improper management of physical therapy treatment over the course of care

General Liability – Physical Therapists

The fundamental foundation of all liability coverage is General Liability Insurance. It is there to protect you from third-party claims for Property Damage or Personal (Bodily) Injury resulting from your negligence.  If a patient is accidentally hurt or has their property damaged while attending a treatment session, then you could be held responsible.

If you are a Physical Therapist that owns your own clinic, it is vital that you secure a General Liability Insurance policy to protect both you and your business. A General Liability plan will further safeguard your business if it is named as a third-party in a liability lawsuit.

General Liability claims for any of the following scenarios could be covered:

  • A patient falls over an exercise ball that you forgot to put away resulting in tripping over and breaking their ankle
  • You accidentally knock a water bottle onto your patient’s laptop, ruining it
  • The treatment table your patient climbs onto collapses and the patient is seriously hurt

A General Liability Insurance policy is intended for payment of lawsuits, investigations, and settlements for which you are found to be responsible. General Liability will not pay for employee injuries, professional liability, intentional acts, or claims not related to your work as a Physical Therapist.

Cyber Insurance – Physical Therapists

During accessing and notating electronic patient files, you may run the risk of a cyber-criminal hacking into these confidential files and causing havoc. The patient harmed by this cyber-crime can hold you responsible. This would be harmful to both your professional reputation and your personal finances.

Even when cyber-crime occurs via your employer’s network, you may still be named as a third-party in a patient’s claim. In this modern era, it is critical for all Physical Therapists to obtain an independent Cyber Liability policy.

Cyber Insurance will provide you with the financial resources to protect your business from the expenses and legal costs associated with data breaches, which may occur after being hacked or from the theft or from loss of client information.

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Arik Solberg
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The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
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Franklin Behm
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Excellent service and prices.
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Cassiopée V Lapierre
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S & S Professional care llc Home Health Agengy
S & S Professional care llc Home Health Agengy
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Esined Perez
Esined Perez
23:32 17 Feb 21
Horrible customer service. First, it’s hard to get a representative on the phone. You will be waiting hours.. seriously. They encourage you to send an email and they will reply within 48 hours. WRONG! Going on my 3rd attempt to get a certificate of liability filled out correctly.. I even provided an example that shows exactly what needs to be included and yet 2 times it’s come back WRONG. Costing small business accounts and money. RUN!!
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Darin Brooks Jr
14:54 17 Feb 21
DIVINE FIJIANS HOME CARE SERVICES
DIVINE FIJIANS HOME CARE SERVICES
22:49 05 Jan 21
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Joe Wajdula
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa Word
Lisa Word
21:51 24 Nov 20
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rhonda hale
23:26 12 Nov 20
Owner
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Cincere Browdy
Cincere Browdy
15:16 29 Oct 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
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Fran Sutton
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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Aileen Day
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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Michele Harris
01:52 12 Sep 20
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Christina Rose
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
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Nancy Sloan
00:47 26 Aug 20
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If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela Curry
Pamela Curry
16:45 24 Aug 20
THEY NEVER ANSWER THE PHONE.Took my money with a smile. Good luck trying to get a real person on the phone. to do anything for you.Try calling before buying anything online, that will give you a great preview of what is to come after they take your hard earned money.I wish there were ZERO STARS...
Prophets Business Gurus
Prophets Business Gurus
17:28 30 Jul 20
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Fre Hall
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Nekeisha B.
Nekeisha B.
01:30 05 May 20
Horrible management, horrible insurance practices. I urge people to use a traditional independent broker
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The Tiffany Camille
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Jasmine Q
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. Atallah
Dr. Youssef C. Atallah
17:21 14 Nov 18
Be careful
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Allison Young
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e jr
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Poooor customer service. Shop elsewhere, they don't care to earn your business as was demonstrated by the indifferent rep I spoke with today.
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David Green
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Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
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Mark Wallace
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Daniel Scott
15:15 27 Jun 17
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Graham Blair
22:12 23 Jun 17
Had insurance for them before couple years ago. Changed company's because had too, tried to switch back today.. wow 500x the price from my last policy. 550 yearly now they quoted me 2800+.. buyers beware !!!
Jason Sheppard
Jason Sheppard
22:11 22 Jun 17

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