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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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Yoga Instructor Certification: Cost and Analysis

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Complete Cost and Benefits of Yoga Insurance

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Insurance for Beauty & Fitness

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How Much Does Personal Trainer Liability Insurance Cost

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What You Need to Know About Being an Esthetician

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

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Insurance for Yoga Instructors & Yoga Studios

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Insurance for Estheticians

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How Much Does Accountants Liability Insurance Cost?

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How Much Does Notary Public Insurance Cost?

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Liability Insurance: Even Notary Publics Need It

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General Liability Insurance

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Insurance for Legal Services

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Insurance for Staffing & Human Resources

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Insurance for Technology Services

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Is an Accounting Certification Right for You?

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Be Prepared Before You Start Your Career as a Nutritionist

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Nutritionist Insurance: Guide Your Patients, Protect Your Practice

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Insurance for Videographer

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Insurance for Consultants

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Insurance for Notary Public

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Insurance for Crafts, Goods & Manufacturing

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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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What Is Estheticians Liability Insurance

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Professional Liability Insurance Choices for Small Businesses

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Insurance for Events, Planning & Organization

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How Much Does Real Estate Agent 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 Artificial Limb Clinics

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Insurance for Diagnostic Imaging & X-Ray Centres

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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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Business Insurance Guidelines for Start Ups

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A Billion Dollar Mistake or Executives on the Take?

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Insurance for Financial Services

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Insurance for Other Businesses

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The Average Consultants' Salary and How to Earn More

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What Is Real Estate Agent Liability Insurance?

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Insurance for Nutritionists and Dietitians

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What Is Consultants Liability Insurance?

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Insurance for Nurses

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Insurance for Auto Services

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Expected Average Income and Expenses for a New Real Estate Agent

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Insurance for Construction & Installation

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How Much Does Estheticians Liability Insurance Cost

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Why Do I Need Real Estate Agents Liability Insurance?

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Insurance for Accountants

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Why Insurance for Consultants is a 'No Brainer'

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

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Business Owner's Policy (BOP)

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Insurance for Day Care & Child Care

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Insurance for Distributors & Wholesalers

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Insurance for Shop, Store & Retail

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Year end parties: having fun whilst covering the risks

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Insuring your inventory

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

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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.

Reviews related to general liability insurance for physical therapists