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Insurance for Physical Therapists

... 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 ...

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General Liability Insurance

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Professional Liability Insurance Florida

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Professional Liability Insurance California

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Professional Liability Insurance Texas

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Professional Liability Insurance

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Architect Liability Insurance

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Engineer Liability Insurance

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Errors and Omissions Insurance Florida

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Insurance for Writing & Publishing

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Insurance for Consultants

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Insurance for Distributors & Wholesalers

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Errors and Omissions Insurance California

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Errors and Omissions Insurance Texas

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Errors & Omissions (E&O) Insurance

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Insurance for Beauty & Fitness

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Insurance for Medical, Health & Sciences

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Insurance for Staffing & Human Resources

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Insurance for Yoga Instructors & Yoga Studios

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Insurance for Videographer

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Insurance for Events, Planning & Organization

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Insurance for Acupuncture Clinics

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Insurance for Adult Day Care

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Insurance for Ocularist

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Insurance for Financial Services

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Insurance for Real Estate Agents & Realtors

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Insurance for Other Businesses

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Insurance for Nutritionists and Dietitians

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Insurance for Nurses

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Insurance for Notary Public

... related to a settlement Costs and expenses related to a judgment Professional Liability Insurance (aka E&O insurance) Notary Public A Professional Liability insurance policy is critical for those who are in the business ...

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Insurance for Auto Services

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Insurance for Accountants

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Insurance for Shop, Store & Retail

... . This type of package is how most businesses in your industry decide to purchase their insurance. A BOP includes General Liability (as above), plus it allows you to cover your business property including your inventory ...

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Insurance for Day Care & Child Care

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Insurance for Handyman

... accidently break something in a clients' home or office. As a Handyman, General Liability coverage is the most important insurance policy you should have. Coverage for Your EquipmentIf you have equipment or materials ...

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Insurance for Landscaping

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Business Owner's Policy (BOP)

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Industries we serve

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Reviews related to general liability insurance for physical therapists

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    Writers/Authors

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    Insurance Agent (Primarily P&C Business)

  • Thank you!

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    Insurance Claims Adjuster

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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.

Reviews related to general liability insurance for physical therapists