Best Professional Liability Insurance For Physical Therapists
- Compare quotes in minutes, with no obligation to buy
- Buy online and receive coverage confirmation – instantly
- Access only top-quality insurance companies (A-rated or better)
What is Physical Therapist Liability Insurance
... the policy. Learn more about Physical Therapist General Liability Insurance . Professional Liability (Malpractice) Insurance for Physical Therapists Professional Liability (Malpractice) Insurance is used by health care ...
read moreInsurance for Physical Therapists
... and protection a Physical Therapist needs. Professional Liability Insurance (Malpractice Liability Insurance) - Physical Therapists Each year the number of lawsuits filed against Physical Therapists continues to increase ...
read moreWhat Will I Pay for Physical Therapists Liability Insurance?
... liability insurance for physical therapists Most Physical Therapists make their lives a lot easier by purchasing a Miscellaneous Medical Liability package. This type of liability policy includes Professional (Malpractice ...
read more6 reasons why nurses should have malpractice insurance
... malpractice insurance is crucial for all healthcare service providers, including physical therapists, opticians, dentists, and nurses. It is sometimes known as medical professional liability insurance, or nurse liability ...
read moreHow much does Professional Liability Insurance cost for consultants
... to calculating the cost of a Professional Liability insurance policy , a variety of factors are taken into consideration. Some of the main factors include: The type of consulting work: Malpractice claims can pose more of ...
read moreConsumer Demands and Professional Liability Insurance Go Hand in Hand
... and can not meet client expectations. This is where professional liability insurance comes in. In its most simplistic form, professional liability insurance provides protection for the provider, when the client feels ...
read moreProfessional Liability Insurance – new
... Professional Liability insurance may also be sold as Errors and Omissions (E&O) insurance or medical malpractice insurance ... business you run.General Liability insurance provides protection for any physical injury that may ...
read moreProfessional Liability Insurance – ESP
... of small business owners pay less than $51 a month for their Professional Liability coverage. To learn more about how much Professional Liability insurance costs, click here . BizInsure analizó a más de 5000 de nuestros ...
read moreWhat is Malpractice Insurance (aka Professional Liability Insurance) for nurses?
... their wellbeing. Do nurses need their individual Malpractice Insurance? While employers may provide some form of Professional Liability coverage , Malpractice Insurance provides additional coverage if a claim were to ...
read moreProfessional Liability Insurance
... malpractice insurance include: Doctors Surgeons Dentists Nurse practitioners Massage therapists General Liability is a common form of insurance coverage that many small businesses consider. It differs from Professional ...
read moreWhat does Professional Liability insurance cover?
... claims of a contract at any time. Who needs professional liability insurance? Professional liability insurance, which is also referred to as professional indemnity or errors and omissions coverage , covers small business ...
read moreAll You Need to Know about Professional Liability Insurance for Architects
... Insurance Policies What Is Not Covered? By now you probably better understand what an Architect Professional Liability policy will cover so let's move on to what it will not cover. Illegal acts Intentional malpractice ...
read moreCalifornia Professional Liability Insurance Keeps Your Business Moving Forward
... that could someday lead to a liability lawsuit. Consultants , accountants , fitness instructors , and dozens of other California business owners keep Professional Liability insurance in their portfolio just in case ...
read moreHow Will Your Texas Business Benefit from Professional Liability Insurance?
... there are exclusions within every Texas Professional Liability Insurance policy including the following conditions that are not covered: Illegal acts Intentional malpractice Property damage Known claims and circumstances ...
read moreOhio Professional Liability insurance
... Instructors As you can see, there are many jobs and professions that can benefit from the benefits of a Professional Liability ... will determine the cost of the Professional Liability Insurance cost are: The nature of your ...
read moreVermont Professional Liability insurance
... Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors You can see the different types of professionals that typically buy Professional Liability insurance can be diverse. If ...
read moreWashington Professional Liability insurance
... following professions may require Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors As you can see ...
read moreUtah Professional Liability insurance
... Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors As you can see, the kinds of jobs that require Professional Liability insurance are diverse. You may want ...
read moreTennessee Professional Liability insurance
... Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors You can see that the kinds of professions who typically purchase Professional Liability insurance differ. It’s worth ...
read moreSouth Dakota Professional Liability insurance
... Care Providers and Businesses Yoga Instructors It is evident that the types of professions who typically purchase Professional Liability insurance differ. If you are unsure if this kind of insurance is right for you and ...
read moreProfessional Liability Insurance California
... ). Professions that may need Professional Liability insurance are: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors As you can see ...
read moreProfessional Liability Insurance Texas
... others. Professions that may need Professional Liability insurance in Texas include, but are not limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreProfessional Liability Insurance Florida
... Home Care Providers and Businesses Yoga Instructors How much does Professional Liability Insurance cost A professional Liability policy is a very specialized insurance product, tailored individually to each business ...
read moreDo Teachers and Education Professionals need Professional Liability Insurance?
... as driving instructors or music teachers) What types of insurance do Education Professionals need? Education professionals often consider Educators' Professional Liability insurance and General Liability insurance to ...
read moreProfessional Liability Insurance Maryland
... Home Care Providers and Businesses Yoga Instructors How much does Professional Liability Insurance cost? The yearly cost of Professional Liability insurance for small businesses in Maryland will depend on factors ...
read moreProfessional Liability Insurance in Kentucky
... justified or not). Professions which may require Professional Liability insurance include: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreRhode Island Professional Liability insurance
... . The following professions may consider Professional Liability insurance in Rhode Island. Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreProfessional Liability Insurance in New York
... Home Care Providers and Businesses Yoga Instructors As you can see, there are a variety of jobs and professions that can benefit from Professional Liability insurance. You may consider a policy to protect your ...
read morePennsylvania Professional Liability insurance
... Professions that may consider Professional Liability insurance in Pennsylvania include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreWyoming Professional Liability insurance
... Care Providers and Businesses Yoga Instructors It is evident that the types of occupations who usually purchase Professional Liability insurance vary. If you’re not sure if this kind of insurance is right for you and ...
read moreWisconsin Professional Liability insurance
... Providers and Businesses Yoga Instructors It is evident that the types of professions that typically buy Professional Liability insurance can be diverse. If you’re not sure whether this type of insurance is right for you ...
read moreWest Virginia Professional Liability insurance
... they’re justified or not). Professions that may need Professional Liability insurance include: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreVirginia Professional Liability insurance
... following professions may need Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors As you are able ...
read moreSouth Carolina Professional Liability insurance
... Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors It is evident the different types of professionals that typically buy Professional Liability insurance vary. It is worth ...
read moreOregon Professional Liability insurance
... of others. Oregon professionals may need Professional Liability insurance. These professions include but are not limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreOklahoma Professional Liability insurance
... businesses may consider Professional Liability insurance for certain professions, such as but not limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers ...
read moreNorth Dakota Professional Liability insurance
... . Professions that may require Professional Liability insurance in North Dakota include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreNew Jersey Professional Liability insurance
... of professions who may require Professional Liability insurance: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors Take the time to ...
read moreNew Mexico Professional Liability insurance
... of others. Some professions like the ones below may consider Professional Liability insurance. Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreNew Hampshire Professional Liability insurance
... Home Care Providers and Businesses Yoga Instructors There are a variety of occupations and professions that may benefit from Professional Liability insurance. A policy is there to help shield your small business ...
read moreNevada Professional Liability insurance
... : Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors Professional Liability insurance may benefit a wide range of professions and ...
read moreNebaraska Professional Liability insurance
... : Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors Professional Liability insurance is designed as a policy to protect your ...
read moreMontana Professional Liability insurance
... Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors There are many jobs and professions that may benefit from Professional Liability insurance. Take some time to ...
read moreProfessional Liability Insurance Indiana
... others. Professions that require Professional Liability insurance in Indiana include but aren’t restricted to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreMississippi Professional Liability insurance
... personal savings if you do not have a Professional Liability policy. How much does Professional Liability insurance cost in Mississippi? The price of Professional Liability insurance in The Magnolia State is subject to a ...
read moreProfessional Liability Insurance Minnesota
... professionals might require Professional Liability insurance. The professions covered by this insurance include, but are not limited: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ...
read moreProfessional Liability Insurance Michigan
... might require professional insurance for liability. The professions covered by this insurance include, but are not limited: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreProfessional Liability Insurance Maine
... of other people. These professions may consider Professional Liability insurance in Maine: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreProfessional Liability Insurance in Kansas
... people. The following professions may consider Professional Liability insurance in Kansas: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga ...
read moreProfessional Liability Insurance Iowa
... who provide professional services. Iowa Professional Liability insurance may be required for the following occupations: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreProfessional Liability Insurance Illinois
... interests of other people. Professional Liability insurance is a requirement for the following professions: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreProfessional Liability Insurance Idaho
... needs. Idaho professionals might require Professional Liability insurance. These professions include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreProfessional Liability Insurance Delaware
... of other people. Delaware Professional Liability insurance may be required for the following occupations: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreProfessional Liability Insurance Georgia
... professionals may need Professional Liability insurance. The professions covered by this insurance include, but are not limited: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors ...
read moreProfessional Liability Insurance Colorado
... Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors It is clear that a Professional Liability insurance policy in Colorado can be beneficial to ...
read moreProfessional Liability Insurance Connecticut
... . It is important to note that Professional Liability insurance in Connecticut will cover your losses, ... Instructors There are a variety of jobs and professions that can benefit from a Connecticut Professional Liability ...
read moreProfessional Liability Insurance Arizona
... . Professions that may require Professional Liability insurance in Arizona include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and ...
read moreProfessional Liability Insurance Arkansas
... others. Arkansas professionals may need Professional Liability insurance. These professions include but aren’t limited to: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care ...
read moreProfessional Liability Insurance Alabama
... . Alabama businesses might need Professional Liability insurance for specific professions, such as: Architects Notary Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses ...
read moreProfessional Liability Insurance Alaska
... Publics Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors You can see the benefits of a Professional Liability insurance policy can be beneficial to many ...
read moreProfessional Liability Insurance test
... of business you run. What's the difference between General and Professional Liability insurance? General Liability insurance provides protection for any physical injury that may be caused to people or damage to their ...
read moreDoes a sole proprietor need Professional Liability Insurance?
... and occupations, from architects to yoga instructors. How Professional Liability insurance can protect sole proprietors Small businesses of all sizes purchase Professional Liability insurance to protect business. However ...
read moreWhat is Professional Liability Insurance for personal trainers
... condition or other factors What does Professional Liability Insurance for personal trainers cover Professional Liability insurance (aka E&O insurance ) is one of the first insurances you need to consider as a personal ...
read moreWhy do architects need Professional Liability Insurance?
... license removed, and be sent out of business. As an architect having Professional Liability insurance in place is a wise investment to safeguarding your business in the long run. Your policy will provide cover ...
read moreWhat is Professional Liability insurance for consultants?
... firm's day to day operations, finances and reputation, an added stress you could live without. Professional Liability insurance is an investment to ensure the survival of your consultancy business in the event a lawsuit ...
read moreProfessional Liability Insurance Choices for Small Businesses
... . One of the things that a lot of people get confused about is what is covered by General, Professional and Cyber Liability insurance. Professional Liability can be a stand-alone coverage or part of a broader Cyber ...
read moreDo You Have Engineer Professional Liability Insurance? Here Is Why You Should
... , etc. as well as any awards, judgments or settlements against you. Why you should get Engineer Professional Liability insurance? As the name of the articles suggests, this is the main topic of our discussion today. Most ...
read moreProfessional Liability Insurance for Health and Safety Consultants
... today and let our expert team quickly handle your request. Take advantage of our health and safety Professional Liability insurance to take care of all sorts of legal fees that could arise in the future. Get instant ...
read moreProfessional Liability Insurance For Educational Consultants
... protect yourself from the expense associated with legal claims. It might not be apparent now, but Professional Liability insurance for educational consultants is important as you are not immune to legal action. With our ...
read moreHow much does Professional Liability Insurance cost?
... risk of your business being sued, the higher the cost of your policy. When you apply for a Professional Liability Insurance policy, there are a few things which your business will be assessed on before coming back with a ...
read moreWho Needs Professional Liability Insurance?
... over again. In such a scenario, your client may sue you for the cost of labor and materials. If you have professional liability insurance in place, you will be covered for the costs of this exercise up to the limits of ...
read moreWhy do Architects and Engineers need Professional Liability Insurance?
... to be sure your business is adequately insured. How much does Professional Liability insurance cost? The cost of Professional Liability insurance varies. Insurance companies use a number of factors to help calculate the ...
read more5 things engineers should know about professional liability insurance
... Let's take a closer look at five things engineers should know about Professional Liability insurance. 1. What is Professional Liability insurance? If you're just establishing your engineering career, you may not be aware ...
read moreThe Benefits of Professional Liability Insurance for Small Businesses
... . Let's take a closer look at Professional Liability insurance and how it could benefit your small business. What is Professional Liability insurance? A Professional Liability insurance policy (also known as Errors and ...
read moreHow Important is Professional Liability Insurance for Consultants?
... Breach of contract Undelivered services Missed deadlines Why consultants may need Professional Liability insurance Professional Liability insurance for consultants may be good to have. Consultants typically give their ...
read moreProfessional Liability Insurance: What Would You Pay to Protect Your Architectural License?
... new projects as well. Of course, you may not be thrilled at the idea of purchasing Architects Professional Liability Insurance and having yet another business expense but you really have to look at the big picture. Keep ...
read moreTop reasons copywriters need Professional Liability insurance
... about Professional Liability insurance, as well as other insurance for self-published authors, editors, and writing professionals. What is Professional Liability insurance? Professional Liability insurance can protect ...
read moreArchitect Professional Liability Insurance Texas
... more details on when you are and are not covered. How much does architect's Professional Liability insurance cost in Texas? Insurance premiums can vary greatly, even between two architects or architecture firms. This is ...
read more5 Questions Professionals Should Ask About Professional Liability Insurance
... Providers Legal Services Personal Trainers Physical Therapists Real Estate Agents These are just a small sampling of the types of professionals who may need Professional Liability insurance. However, you may still have ...
read moreWhat is Professional Liability insurance and why you need it for your Florida business?
... consultants , fitness trainers , and more. Related: Who needs Professional Liability Insurance? How much does Professional Liability Insurance cost Unfortunately insurance policies are rarely a one-size-fits-all type of ...
read moreGeneral Liability vs Professional Liability Insurance: What's the Difference?
... Have employees who do any of the above Manufacture a physical product You might consider Professional Liability insurance if you: Provide professional services to clients or customers Regularly give clients advice or ...
read moreWhat you need to know about the cost of engineer Professional Liability Insurance
... owner asks - how can I reduce the total cost of the policy? What is Professional Liability Insurance? A Professional Liability Insurance policy (also called an Errors and Omissions or an E&O policy) is designed to ...
read moreAll you wanted to know about Engineer's Professional Liability insurance
... policies are important and should be considered carefully for your business needs. Why do I need engineer professional liability insurance? Now that you know exactly what this type of policy covers, let’s talk about why ...
read moreWhat is Professional Liability Insurance for Personal Trainers?
... has gone wrong. What is the difference between General Liability and Professional Liability insurance? Differentiating between General Liability and Professional Liability insurance coverages is essential. It’s a common ...
read more8 Reasons You Should Have Professional Liability Insurance
... and judgements, so you don't have to pay out of pocket. 6. It can protect your professional reputation Professional Liability insurance can help protect you financially, but it can also help protect your reputation as a ...
read moreWhat is Pilates Instructor Liability Insurance?
... cut into your bottom line. What Is Professional Liability (E&O) Insurance for Pilates Instructors? Professional Liability ( Errors & Omissions ) insurance is different than General Liability because it's meant to protect ...
read moreHow Much Does Personal Trainer Liability Insurance Cost
... physical ... professional liability policy. Professional liability personal trainer insurance What is professional liability personal trainer's insurance? As the name implies, personal trainer professional liability insurance ...
read moreWhy Not Protect Your Stamp with Professional Liability for Architects?
... you? Will you be able to bankroll your operations and still cover the costs of a malpractice suit? Purchasing a Professional Liability Insurance for Architects policy is the best way to plan for such a rainy day. It will ...
read moreWhy Do I Need Estheticians Liability Insurance?
... professional liability policy and what does it cover? As the name suggests, a professional liability policy (otherwise known as a malpractice ... lawsuit happens. Esthetician Professional liability insurance is an essential ...
read moreWhat Is Consultants Liability Insurance?
... this situation could place on your company is by securing liability insurance . Professional Liability (E&O) Insurance for Consultants Defined Professional liability insurance is also known as Errors & Omissions (E&O ...
read moreWhat Is Estheticians Liability Insurance
... a day. Unfortunately, not all of them are going to walk out of your spa as happy customers. Professional liability insurance , otherwise known as an errors & omissions policy , is designed to protect you in a case of a ...
read moreHow Liability Insurance Can Benefit Nutritionists
... in court, you'll still be protected from paying legal fees. Related: What does Professional Liability insurance cover? While malpractice and negligence are two of the most common and well-known claims made against ...
read moreHow Much Does Pilates Instructor Liability Insurance Cost?
... Why? It's normally recommended that a Pilates instructor purchase both general liability insurance, as well as professional liability insurance . The professional liability (E&O) insurance is important because you are a ...
read moreWhy Do I Need Personal Trainer Liability Insurance?
... kick. The class instructor, an experienced martial arts instructor and a certified personal ... malpractice (or professional liability) claim. A general liability insurance policy excludes any acts done in your professional ...
read moreThe Complete Guide to Yoga Instructor Liability Insurance
... costs if someone is injured on your premises. Yoga Instructor Liability Insurance: Protection from Professional Liabilities Professional liability insurance covers you for claims made related to your profession. This ...
read moreWhy Do I Need Pilates Liability Insurance?
... in your professional Pilates skills and believe no mistakes will be made so no need for liability insurance. However, if you have plans on growing your business and hiring additional Pilates instructors, doesn't ...
read moreWhat's the difference between Professional Liability and Errors and Omissions Insurance?
... Errors and Omissions” or “E&O” when seeking coverage for professional liability events. What is Malpractice insurance? Professional Liability and E&O insurance are the most used names for policies that cover mistakes and ...
read moreReviews related to Best Professional Liability Insurance For Physical Therapists
-
Bee Her has been extremely helpful in assisting with my professional liability insurance needs.
Kirsti
Freight Forwarder -
Josh was excellent in providing quick service for my immediate needs. He researched and provided the quote quickly. I will pass bizinsure's good name to others searching for professional liability insurance!
Ivy
Business Consultant -
The woman I originally spoke with was extremely helpful in getting me a quote for Professional Liability Insurance. She really took the time to understand my business and to determine what policy would be best for me to apply for.
Kati
Business Consultant
It’s FREE!
It’s completely free to get multiple quotes from A-rated insurers.
It’s instant!
No paperwork. Your policy will be emailed instantly. We know you’re busy.
Trusted
Trusted by thousands of businesses nationwide.
Why do Physical Therapists Need insurance?
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 (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.
Professional Liability, otherwise known as E&O insurance or 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.