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What is Physical Therapist Liability Insurance

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What Will I Pay for Physical Therapists Liability Insurance?

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Insurance for Physical Therapists

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How Much Does Pilates Instructor Liability Insurance Cost?

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8 Reasons You Should Have Professional Liability Insurance

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What is Professional Liability Insurance for Personal Trainers?

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Insurance for Personal Trainers

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An Introduction to Home Health Care Provider and Business Liability Insurance

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Liability Insurance: Even Notary Publics Need It

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Why Do I Need Personal Trainer Liability Insurance?

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Your Guide to The Best Personal Trainer Certifications

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The Complete Guide to Yoga Instructor Liability Insurance

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The Benefits of Professional Liability Insurance for Small Businesses

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How Much Does Consultant Liability Insurance Cost?

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What You Need to Know About Notary Public Liability Insurance

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What is Accountant Liability Insurance?

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How Will Your Texas Business Benefit from Professional Liability Insurance?

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5 Things Engineers Should Know About Professional Liability Insurance

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5 Questions Professionals Should Ask About Professional Liability Insurance

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Why Do I Need Pilates Liability Insurance?

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Professional Liability Insurance California

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Professional Liability Insurance Florida

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Professional Liability Insurance Texas

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General Liability Insurance

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All You Need to Know about Professional Liability Insurance for Architects

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What Is Estheticians Liability Insurance

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Professional Liability Insurance

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Why Do I Need Accountant Liability Insurance?

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Why Do I Need Estheticians Liability Insurance?

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Professional Liability Insurance Choices for Small Businesses

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Architect Liability Insurance

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Architect Liability Insurance California

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Engineer Liability Insurance

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How Important is Professional Liability Insurance for Consultants?

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How Much Does Personal Trainer Liability Insurance Cost

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

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Does a Sole Proprietor Need Professional Liability Insurance?

There are many benefits to working as a sole proprietor. Establishing your business is often simple, as there's just one person you need to worry about (yourself!). ... , engineers, and consultants. However, there is a wide range of professionals who might need Professional Liability insurance. People like personal trainers, home health care workers, and even event planners may also ...

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What is Pilates Instructor Liability Insurance?

Teaching powerhouse core moves to clients are very satisfying. You enjoy showing elderly neighbours and young college students alike how to alleviate chronic pain and ... per year in civil liability costs. These civil lawsuits start ... Professional Liability (E&O) Insurance for Pilates Instructors? Professional Liability (Errors & Omissions) insurance is different than General Liability ...

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How Much Does Accountants Liability Insurance Cost?

Accountants play an important role in helping individuals and businesses manage their finances. As an Accountant, you work with important, private and sensitive information ... Personal assets could also be at stake. How Much Does Accountant Liability Insurance Cost? Many professionals go without proper Liability insurance because they assume it's too expensive. Especially new accountants just ...

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Professional Liability Insurance FAQs

... ? What is Malpractice Insurance (aka Professional Liability Insurance) for nurses? What is Professional Liability Insurance for personal trainers? How much does Professional Liability Insurance cost for consultants? What ...

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How Much Does Real Estate Agent Liability Insurance Cost?

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What Is Real Estate Agent Liability Insurance?

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How Much Does Estheticians Liability Insurance Cost

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What You Need to Know About the Cost of Engineer Professional Liability Insurance

Savvy budgeting and careful consideration of any new expenses are must-haves for any business owner who wants to expand and grow her company. However, every business ... every savvy business 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 ...

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Why Do I Need Real Estate Agents Liability Insurance?

The career path of a Real Estate agent is undoubtedly tricky in the beginning starting with passing your licensing exam to obtain the all-important license to sell. ... One of the biggest (and most crucial) covered expenses is the cost of hiring an attorney. You need to be able to afford a ... the costs to successfully defend a lawsuit on the rise, a Professional Liability insurance policy ...

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What Is Consultants Liability Insurance?

In 2017, American consultants produced around $63.2 Billion in revenue (Statista, 2018). This is not surprising considering the continued growth of the consulting field ... business could cost a tremendous amount in both money and time. The surest way to offset the financial strain this situation could place on your company is by securing liability insurance. Professional Liability (E&O ...

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Why Do Consultants Need Liability Insurance?

You've earned an MBA from an eminent university. You've worked for a decade in the C-Suite of a prestigious international consulting firm. Your co-workers often encourage ... a third-party in a lawsuit as well. Professional liability insurance is also known as Errors & Omissions (E&O) insurance . E&O insurance is recommended if you provide professional services for a fee, such as consultants ...

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Architect Liability Insurance

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Engineer Liability Insurance

... to their property. If you were to have a lawsuit filed against you or your business, Professional Liability insurance is there to provide financial protection even if you have done nothing wrong. Depending on your level ...

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How Liability Insurance Can Benefit Nutritionists

There's no question that every practicing Nutritionist has a lot to deal with to keep his or her business running. Between working with patients, studying and improving ... to liability insurance. While Professional Liability insurance is ... costs. Of course, there is a much wider scope of professional protection than what is covered in this article, as well as more reasons why insurance ...

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Consumer Demands and Professional Liability Insurance Go Hand in Hand

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What Insurance Do Contractors Need in Washington?

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Errors and Omissions Insurance Florida

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What Insurance Do Contractors Need in Chicago?

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Insurance for Food Consultants

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Home Based Business Insurance

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

A 2016 Statista study estimated that nearly 9 Million Americans are loyal Pilates devotees. In fact, a survey by Pilates Method Alliance (PMA) showed that Pilates students ... % of Pilates Instructors Are Not Trained #3 - Purchase Liability Insurance For only a few premium dollars per day, you will be able to purchase professional liability insurance. The minimal cost of the insurance is great ...

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Insurance for Technology Services

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Why Engineers Need E&O Insurance to Protect Them Professionally

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Why Insurance Is a Must Have for The Modern Yogi Teacher

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Errors and Omissions (E&O) Insurance in Hawaii Explained

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Medicare and home healthcare costs

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Yoga Instructor Certification: Cost and Analysis

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Errors and Omissions Insurance California

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A Quick Guide to Business Insurance for Civil Engineers and Engineering Firms

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How Much Does Notary Public Insurance Cost?

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Business Insurance Guidelines for Start Ups

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Errors & Omissions (E&O) Insurance

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Errors and Omissions Insurance Texas

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Do Notaries Public Need E&O Insurance to Operate in California?

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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 LiabilityPhysical 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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