Physical Therapist Insurance
Coverage designed for physical therapy practices — hands-on care with hands-on risk.
What this coverage is intended to address
- ✓Allegations that a treatment plan or technique caused injury, addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
- ✓General liability for premises exposures, such as a client injured on clinic equipment
- ✓Defense costs in the event of a covered claim arising from therapeutic services
- ✓Third-party bodily injury or property damage that may occur during sessions
Coverage products commonly considered
Most physical therapist operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Hypothetically, a client alleges that an aggressive rehab exercise worsened an existing injury, and professional liability / E&O coverage is intended to respond in the event of a covered claim.
- Hypothetically, a patient falls off a treatment table that was not properly secured; general liability coverage may help respond to a bodily-injury claim of this kind.
Frequently asked questions
Why is professional liability relevant to a physical therapist?
Because a client may allege that the care or technique itself caused harm. Professional liability insurance, also called Errors & Omissions (E&O) insurance, is intended to respond to such allegations. General liability addresses separate premises risks. Terms vary by carrier and state.
Does equipment in the clinic create exposure?
It can. Clients using tables, machines, and resistance equipment create premises risk that general liability is generally intended to respond to in the event of a covered claim.
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