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Insurance for Physical Therapists

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How Much Do Pilates Instructors Make + 5 Tips to Earn More

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Why Do I Need Personal Trainer Liability Insurance?

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Exposing the True Cost of Pilates Instructor Certification

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How Much Does Pilates Instructor Liability Insurance Cost?

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Your Guide to The Best Personal Trainer Certifications

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Why Do I Need Pilates Liability Insurance?

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How Much Do Personal Trainers Make + 4 Hacks to Earn More

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Insurance for Beauty & Fitness

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What You Need to Know About Being an Esthetician

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Why Insurance Is a Must Have for The Modern Yogi Teacher

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The Complete Guide to Yoga Instructor Liability Insurance

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How Much Do Dietitians and Nutritionists Really Earn?

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How Much Does Personal Trainer Liability Insurance Cost

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How Much Yoga Instructors Make + 5 Tips to Earn More

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Yoga Instructor Certification: Cost and Analysis

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Insurance for Estheticians

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How Liability Insurance Can Benefit Nutritionists

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What is a typical Esthetician Salary + How to Earn More

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Complete Cost and Benefits of Yoga Insurance

There seems to be no end to the growing popularity of yoga. The ancient practice continues to draw new students every day. As Americans search for ways to de-stress, ... yoga instructor professional liability insurance policy. General Liability and Professional Liability: Elements of Yoga Instructor Liability Insurance A Yoga instructor liability insurance ...

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Be Prepared Before You Start Your Career as a Nutritionist

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Insurance for Legal Services

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Insurance for Staffing & Human Resources

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Nutritionist Insurance: Guide Your Patients, Protect Your Practice

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How Much Does Accountants Liability Insurance Cost?

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Insurance for Acupuncture Clinics

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Insurance for Adult Day Care

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Insurance for Nurses

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Insurance for Ocularist

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Insurance for Paramedics

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Insurance for Pharmacists

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Why Do I Need Estheticians Liability Insurance?

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Insurance for Technology Services

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What You Need to Know About Notary Public Liability Insurance

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Business Insurance Guidelines for Start Ups

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Insurance for Nutritionists and Dietitians

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Insurance for Financial Services

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Insurance for Accountants

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Insurance for Yoga Instructors & Yoga Studios

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General Liability Insurance

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Why Do I Need Accountant Liability Insurance?

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What Is Estheticians Liability Insurance

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Who Needs Professional Liability Insurance

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Professional Liability Insurance Choices for Small Businesses

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A Billion Dollar Mistake or Executives on the Take?

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Professional Liability Insurance

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Insurance for Events, Planning & Organization

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How Much Does Estheticians Liability Insurance Cost

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What Is Consultants Liability Insurance?

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Why Do Consultants Need Liability Insurance?

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What Is Real Estate Agent Liability Insurance?

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Liability Insurance: Even Notary Publics Need It

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How Much Does Notary Public Insurance Cost?

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Insurance for Videographer

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Insurance for Notary Public

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Architect Liability Insurance

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Engineer Liability Insurance

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Insurance for Management Consultant

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Expected Average Income and Expenses for a New Real Estate Agent

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Is an Accounting Certification Right for You?

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It's March Madness: Do you have a Defensive Game Plan for Your Business?

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Errors & Omissions (E&O) Insurance

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Insuring your inventory

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Why Insurance for Consultants is a 'No Brainer'

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“GONE PHISHING!” - The Real Liability of the Virtual World

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Business Insurance Explained: “Occurrence” vs. “Claims Made”

Even with the best intentions, the insurance industry can be quite confusing at times. A great example is the subtle yet important concept of "Occurrence" business insurance ... the slip occurred. Most General Liability insurance policies are written on Occurrence ... the actual slip occurred. Most Professional Liability (aka E&O) insurance policies are ...

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Emerging Business Risks in an Online Era

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Year end parties: having fun whilst covering the risks

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Renewal time!

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Insurance for Day Care & Child Care

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Did you know?

Many Physical Therapists find limitations to their employers 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 patients 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 employers network, you may still be named as a third-party in a patients 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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