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What is Physical Therapist Liability Insurance

... be more than 300,000 Physical Therapists working in the U.S ... a 28% increase in the Physical Therapy industry over the course of ... you are considering ... Professional Liability (Malpractice) Insurance for Physical Therapists typically can be defined by one of the following classifications: Improper behavior by practitioner (general) Incorrect use of Physical Therapy ...

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Insurance for Physical Therapists

... 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 ...

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What Will I Pay for Physical Therapists Liability Insurance?

You've successfully completed your Physical Therapy training and certification and every ... experience to alleviate pain and physical limitations for ... 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) Liability, General Liability ...

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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 ... Instructors Are Not Trained #3 - Purchase Liability Insurance For only a few premium dollars per day, you will be able to purchase professional liability ... counsellors, physical therapists, massage therapists, fitness ...

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Why Not Protect Your Stamp with Professional Liability for Architects?

Maybe you've been designing and building residential homes, landscapes, and business complexes for many years. Or perhaps you are new to the design industry and recently ... 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 ...

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What is Professional Liability insurance and why you need it for your Florida business

Nothing turns your world upside down like the fateful words you have been served. A lawsuit is every small businesss worst nightmare. Not only it means damage to your ... Malpractice). Some carriers will sometimes endorse your policy to eliminate this provision, so it never hurts to ask. Claims Made policy: Unlike the traditional General Liability policy, the Professional Liability ...

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All You Need to Know about Professional Liability Insurance for Architects

... building flashy city skyscrapers. Design professionals bid on many exciting and ... tremendous success, as well as professional growth. Most of the ... General Liability is intended to protect your business against non-employee physical injury ... Professional Liability policy will cover so let's move on to what it will not cover. Illegal acts Intentional malpractice ...

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Professional Liability Insurance FAQs

... and Professional Liability insurance? What is Professional Liability insurance for consultants? What is Malpractice Insurance (aka Professional Liability Insurance) for nurses? What is Professional Liability Insurance ...

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Professional Liability Insurance

... litigation (whether justified or not). Click here for sample scenarios of Professional Liability Insurance in action. How much does Professional Liability Insurance cost?Premiums through BizInsure can be as low as $47 ...

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Professional Liability Insurance California

... Home Care Providers and Businesses Yoga Instructors How much does Professional Liability Insurance cost in California On average, the yearly cost of Professional Liability insurance for small businesses in California ...

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Professional Liability Insurance Florida

... Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors How much does Professional Liability Insurance cost A professional Liability policy is a very specialized ...

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What is Professional Liability Insurance for Personal Trainers?

Decades ago the fitness industry took the US by storm and continues to grow rapidly. In fact, according to statista.com, the industry revenue in the US alone is $25 ... should be looking out for and of course the cost of such a policy. What is Professional Liability Insurance? Professional liability insurance, or as we like to call it a personal trainer insurance coverage, affords ...

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Who Needs Professional Liability Insurance

Professional liability insurance is the one form of business insurance that most professional service ... personal lives, most professional service ... of bankruptcy. Instead, their insurance would cover the legal expenses and any resulting settlements. Professional liability insurance is more than just a contract requirement or nuisance expense. It is a safety ...

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Professional Liability Insurance Texas

... to: Architects Notary Public Consultants Personal Trainers Engineers Pilates Instructors Home Care Providers and Businesses Yoga Instructors How Much Does Professional Liability Insurance Cost? Regardless of the type of ...

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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 ... 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 ...

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All you wanted to know about Engineer's Professional Liability insurance

Do you like paying a monthly premium for your insurance? The answer is probably not. No business owner that we ever talked to is excited about the prospect of paying ... known in the insurance world as an Errors and Omissions (E&O) insurance as well as a Professional Liability insurance. Engineers’ E&O insurance covers you against the lawsuits that a third party might bring against ...

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Consumer Demands and Professional Liability Insurance Go Hand in Hand

In the modern world, consumers can perform thorough research on thousands of options before deciding where to buy their services. Throughout the research process there ... the loss of future business, damaged reputation and even the potential for very expensive lawsuits. Professional liability insurance offers service providers a built in defense mechanism against the different levels of ...

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What is Malpractice 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 ...

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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 ... ( Omissions ). In the healthcare community and among some Nutritionists, Professional Liability insurance is therefore known as Malpractice insurance. The nature of these professions tends to open up practitioners ...

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Insurance for Nurses

... be devastating to your reputation but also to you financially. Having Malpractice Liability insurance gives additional coverage to the Professional Liability coverage which may be provided by the employer. There have ...

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Insurance for Acupuncture Clinics

... peace of mind and comprehensive coverage. Professional Liability Insurance (aka Malpractice Liability Insurance) Acupuncture Clinics A Professional Liability (aka E&O or malpractice) policy is important for Acupuncture ...

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Insurance for Adult Day Care

... with peace of mind and comprehensive coverage. Professional Liability Insurance (aka Malpractice Liability Insurance) Adult Day Care A Professional Liability (aka E&O or malpractice) policy is important for Adult Day ...

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Insurance for Artificial Limb Clinics

... of mind and comprehensive coverage. Professional Liability Insurance (aka Malpractice Liability Insurance) Artificial Limb Clinics A Professional Liability (aka E&O or malpractice) policy is important for Artificial ...

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Insurance for Ocularist

... with peace of mind and comprehensive coverage. Professional Liability Insurance (aka Malpractice Liability Insurance) Ocularist A Professional Liability (aka E&O or malpractice) policy is important for Ocularists who ...

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Insurance for Paramedics

... peace of mind and comprehensive coverage. Professional Liability Insurance (aka Malpractice Liability Insurance) Paramedics A Professional Liability (aka E&O or malpractice) policy is important for Paramedics who ...

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Insurance for Pharmacists

... peace of mind and comprehensive coverage. Professional Liability Insurance (aka Malpractice Liability Insurance) Pharmacists A Professional Liability (aka E&O or malpractice) policy is important for Pharmacists who ...

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How Much Do Dietitians and Nutritionists Really Earn?

... they need to improve their physical and mental health, which can ... ... clients the tools they need to improve their physical and mental health, which can have substantial ... a serious malpractice case might come up, which is why it's so important to invest in Professional Liability insurance. ...

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All you needed to know about the cost of Liability insurance for a Home Healthcare Agency

A home health care agency provides an incredible value to a community it serves. Such service makes it possible for the elderly, and other community members who need ... care insurance coverage consists of two distinct liability coverages: a General Liability) and a Malpractice (also called an Errors & Omissions or a Professional Liability) The two policies insure you against entirely ...

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Home Health Aide Duties, Limitations and Risks

The direct care workforce offers care in a variety of settings such as hospitals, assisted living facilities and homes. Home care workers are a segment of the direct ... or the agency employing the aide, then professional liability insurance will pay the legal costs and settlements ... aide liability/malpractice insurance The costs of home health aide liability/malpractice insurance ...

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Be Prepared Before You Start Your Career as a Nutritionist

The journey of starting your own business as Nutritionist is surely an exciting one. Even though at first it may seem quite challenging, it will prove to be the most ... can check here to the options to buy professional liability insurance that will best suit you and ... malpractice insurance policy protects your business against claims of malpractice from your end. It includes physical ...

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Insurance for Medical, Health & Sciences

... & Sciences A Professional Liability (aka E&O or malpractice) policy is important for professionals who work on ... (i.e., physical assets, equipment and buildings), business auto liability, business interruption coverage ...

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An Introduction to Home Health Care Provider and Business Liability Insurance

Baby Boomers are currently America's largest living adult generation, with Millennials nipping at their heels.[[1]] And they are retiring, which explains the surge in ... aides. Home health or personal care aides provide physical and emotional support to the hundreds of thousands of ... professional liabilities, and is covered by professional liability insurance, also known as malpractice ...

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Insurance for Personal Trainers

... and support to help them reach their physical goals and feel their best. But ... malpractice suit. Did you know? Many fitness clubs won t permit independent contractors on site without evidence of professional liability ...

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Insurance for Financial Services

... is essential to protecting your assets.A Professional Liability policy for financial professionals covers allegations of negligence, bad advice, failure to perform, malpractice, etc. It is triggered when a customer ...

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Insurance for Legal Services

... professionals.Sometimes referred to as Malpractice or Errors & Omissions insurance, Professional Liability ... interruption, non-owned business auto liability, and more. BOPs protect physical and virtual assets and cover ...

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Insurance for Accountants

... is essential to protecting your assets. A Professional Liability policy for Accounting professionals covers allegations of negligence, bad advice, failure to perform, malpractice, etc. It is triggered when a customer ...

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Errors and Omissions Insurance Florida

... alleged claims of liability that are suspected of happening while working in a professional capacity The following items are NOT covered by your Florida Errors and Omissions Insurance: Intentional malpractice Fraud and ...

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What You Need to Know About Notary Public Liability Insurance

... people put trust in your professional advice and services is prone ... not an exception. Notary Public Liability insurance provides notaries financial ... for malpractice or negligence. That is why it is important for a notary professional to ... why it is another reason to be proactive about your professional liabilities and get the right insurance from a well-reputed firm ...

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Why Do I Need Estheticians Liability Insurance?

... if you are an established professional with years of experience, one ... ... from such a lawsuit. What is a professional liability policy and what does it cover? As the name suggests, a professional liability policy (otherwise known as a malpractice policy), is designed to cover your ...

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Why Do I Need Personal Trainer Liability Insurance?

Personal training is an exciting career path. Whether you are just embarking on this journey or are an established personal trainer with years of experience, it's always ... 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 ...

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Insurance for Nutritionists and Dietitians

... might get sick and decide to sue you for malpractice. If their lawyer can find even one contradictory article ... with Professional Liability Insurance. "Insurance For Nutritionists and DietitiansProfessional Liability ...

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Insurance for Staffing & Human Resources

... Liability insurance policy is critical for staffing and human resource professionals that offer advice or services to others. It is designed to protect against allegations of negligence, error, omission or malpractice ...

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Errors and Omissions Insurance Texas

... known as professional liability insurance. ... malpractice Known claims and circumstances Fraud and dishonesty Property damage Who needs Errors and Omissions Insurance? Professionals and businesses that provide professional ...

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Why Do You Need Errors and Omissions Insurance for Your Florida Firm?

As the owner of a growing business in Florida, you know that safeguarding your business reputation is of paramount importance. You make sure that you handpick the most ... insurance? Errors and omissions insurance (aka Professional Liability insurance ) is designed to protect your ... insurance kicking in, such as: Deliberate malpractice Fraud, cheating, dishonesty Acts that are ...

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Exposing the True Cost of Pilates Instructor Certification

... of working as a Pilates instructor which you will need to ... ... to earn as a Pilates instructor. From there, you can ... physical therapy and repair. Certified and Ready for Business The final step in your dream of teaching Pilates is to secure a professional liability ...

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Business Insurance Guidelines for Start Ups

As a start up business owner, you know how hectic and exciting the early stages of building a new company can be. With all of the other time consuming tasks on your ... others for a fee then you likely have professional liability exposure. Additionally, lawsuits can be brought against ... faith, Overpromising, Improper documentation, Malpractice, Mismanagement, Misrepresentation of facts, ...

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How Errors and Omissions Insurance Protects Small Business in Texas

Every service-base small business owner in Texas understands how difficult it is to predict the future. While you strive to make good decision, and provide sound advice ... Omission Insurance is also referred to as Professional Liability Insurance . It's a customized insurance ... or individuals working for the entity Intentional malpractice or fraudulent acts Acts of dishonesty Property ...

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Starting your own Non-Medical Home Health Care Business - A Complete Guide

Non-medical home care is a great business opportunity for anyone who is caring, trustworthy, and empathetic. In the next few years and decades, the need for at-home ... the services you're offering. At a minimum, you'll need: Professional liability insurance , which protects you from claims of malpractice, incompetence, or negligence. This is also known as “errors and omissions ...

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Insurance for Events, Planning & Organization

... be very high and attention to detail is critical. Thus, a dependable Professional Liability insurance policy is essential. A Professional Liability insurance policy&may protect you when a customer or other third party is ...

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Insurance for Videographer

... insurance providers and purchase the best insurance for your business. Professional Liability insurance What is Professional Liability insurance Professional Liability, also known as Errors and Omissions or E&O insurance ...

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Insurance for Notary Public

... you to compare multiple quotes so you can compare cost and coverage. What is Professional Liability Insurance? Professional Liability, otherwise known as E&O insurance, protects your business against claims of negligence ...

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Insurance for Estheticians

... 's why a Professional Liability Insurance that is reliable and tailored to massage therapists has never been ... Massage Therapy Association, 50% of massage work is received for medical reasons making professional liability ...

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Architect Liability Insurance

... to cause extensive financial damage, enough to potentially put you out of business. This is where Professional Liability insurance becomes vital to protecting your business and can provide coverage in the event if you ...

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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 ...

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Insurance for Management Consultant

... insurance cover When you're in the business of delivering advice and instructions to your clients, Professional Liability insurance becomes a vital form of protection as a management consultant. It helps by providing ...

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What Types of Insurance Do Business Need in Illinois?

There are nearly 1.2 million small businesses operating in Illinois. If you're one of them, you will need certain types of insurance policies to cover damages, lawsuits ... insurance for unintentional or negligent errors or omissions that result in financial or physical damage. Basically, professional liability insurance protects you against lawsuits from clients that suffered damage due to ...

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What Kind of Insurances Do Texas Businesses Need?

Texas is one of the largest states in the US and the second-most populous. With a population of 28.996 million, the State is home to 2.7 million small businesses that ... the common insurance policy in that it's a combination of policies. It combines general liability insurance and professional liability insurance. This is a wise choice for small businesses that are just starting out in ...

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How Much Does Notary Public Insurance Cost?

Whether you're running your own Notary Public business or you're working for a certified employer, you're likely to need Notary Public insurance. Although Notary Public ... this is $600. However, about a third of small business owners will pay less than $600 yearly for their professional liability insurance coverage. In fact, about 55.7 per cent of businesses we work with pay less than $51 ...

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Liability Insurance: Even Notary Publics Need It

Consider any profession in any industry or a moment. What do they all have in common? They're all run by people. What do people have in common? People make mistakes ... end of your business. That's why insurance exists. There are several reasons why professionals should invest in liability insurance. For starters, money is always a contributing factor. When mistakes are made, lawyers ...

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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 ... well as some risk of physical injury or physical property damage from the operation of your business premises. However, the largest exposure for Accountants comes from professional liability. Making sure you have the ...

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How Much Does Real Estate Agent Liability Insurance Cost?

A Real Estate Agent is a highly popular occupation for those looking for flexible hours, interacting with clients and of course the potential to earn a high income. ... policy, we want to focus on the reason you are reading this article – how much does a Professional Liability policy cost? And what factors affect the cost of your premium. Without further ado, let’s begin! How ...

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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. ... defending a lawsuit. Let's take a closer look at why as a real estate agent, you need to consider Professional Liability (PL) insurance. We’ll also touch on what this type of insurance covers and what else you can do ...

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What is Accountant Liability Insurance?

... much time thinking about Accountant Liability insurance. Your work days are ... ... when you haven't done anything wrong. This is where defense costs coverage comes in as part of Professional Liability insurance. The cost to defend a lawsuit can put many small accounting firms right out of business ...

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Why Do I Need Accountant Liability Insurance?

Accounting professionals make the confusing, arcane and ... understandable. To do this, accounting professionals must keep up with laws ... ... or fail to do something. That's what errors and omissions coverage is for. It is the crown jewel of Professional Liability insurance. Why You Must Have it: Let's say its tax season. You and your small team of staff ...

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What Is Real Estate Agent Liability Insurance?

Becoming a realtor is a popular career of choice for many. The potential for a high income as well as an opportunity to work closely with people is enticing. However ... offer financial protection if a lawsuit is brought in against you. In this article, we want to discuss Professional Liability coverage for Real Estate Agents . What is it? Do you really need it? We will also point ...

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How Much Does Consultant Liability Insurance Cost?

... another minute waiting to buy Liability insurance. After [] ... and Why? It's normally recommended that a consultant buy both General Liability insurance and Professional Liability insurance. The Professional liability (E&O) insurance is important because your services are based on ...

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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 ... will defend your consulting business if it is named as 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 ...

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How Much Does Estheticians Liability Insurance Cost

According to the Bureau of Labor Statistics,[1] the Esthetician job market is expected to grow by 14% by 2026. It's not surprising that this profession is an easy choice ... license exam and found a spa to work in. Now what? Now is the time to consider purchasing a Professional Liability Esthetician's policy. Today we want to talk about how much this type of policy costs and what are the ...

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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. For example, if you are an IT consultant, you may find that your customer requires you to have professional liability (E&O) insurance in an amount equal to their own policy. If your customer has a $2,000,000 ...

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What Is Estheticians Liability Insurance

As a professional esthetician, you provide services to ... ... 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 ...

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How Much Does Personal Trainer Liability Insurance Cost

There is hardly a person in the US that has never stepped foot in a fitness club. The fitness industry has always been a big deal, but it has grown exponentially in ... personal trainer career requires entrepreneurial spirit, physical fitness and the desire to help ... often find as it relates to the gym's master professional liability policy. – Training clients outside of the club - ...

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How Much Does Pilates Instructor Liability Insurance Cost?

... to protect your business with liability insurance. After investing so much ... ... 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 ...

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Why Do I Need Pilates Liability Insurance?

... leads you to believe Pilates instructors probably get sued because they ... ... , it is often recommended they purchase both types of liability policies. This is because Pilates instructors are providing a professional service for a fee, as well as dealing with the following situations which ...

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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 ... fees. This could really cut into your bottom line. What Is Professional Liability (E&O) Insurance for Pilates Instructors? Professional Liability (Errors & Omissions) insurance is different than General ...

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Why Insurance Is a Must Have for The Modern Yogi Teacher

Yoga instructors make it look easy. Not ... a business. Being a yoga instructor is a profession just like ... with risks involved, fortunately, Yoga ... far outweigh the cost of yoga instructor liability insurance. Why You Need Yoga Instructor Liability Insurance: The Details Commercial general liability insurance and professional liability insurance make up the two ...

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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 ... former President of the International Association for Yoga Therapy, spoke [1] of six major lawsuits that ... follows you around the world A yoga instructor professional liability policy will follow you anywhere your ...

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The Complete Guide to Yoga Instructor Liability Insurance

As a yoga instructor, chances are you probably don' ... much time thinking about yoga instructor liability insurance. You probably spend most ... ... 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 ...

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A Billion Dollar Mistake or Executives on the Take?

Have you heard about MF Global? If you've been following the top business news lately it would be hard to miss. It all started with a ratings downgrade which triggered ... account to meet margin calls or was the loss of funds a mere clerical error? MF Global's Professional Liability insurers will need to determine whether the loss of customer funds was the result of negligence or fraud ...

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Steps To Starting Your Own Architecture Firm

As architecture is a highly skilled field that demands competency in multiple domains including engineering, design, communication, management, information technology ... firm could be shut down or may have to pay hefty penalties. Get business insurance : Architects professional liability insurance is one of the key factors that architects must pay attention to. If your firm employs ...

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Surveying and Mapping Services Insurance

... insurable by law Mediation deductible credit GET INSTANT QUOTES Did you know? If you have adequate professional liability coverage for your business, you will be protected against claims, judgments and court costs up to ...

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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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