Physical Therapy Professional Liability Insurance
Get affordable physical therapy professional liability insurance in minutes. Instant online quotes, sample premiums, and answers to PT malpractice FAQs. Protect your practice today.
Whether you're a full-time therapist, clinic owner, or independent contractor, we've got your back.
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Why Physical Therapists Need Coverage
Physical therapists sit at the intersection of hands‑on care and complex rehab protocols. That means lawsuits can stem from everything from delayed recovery to alleged failure to refer. While an employer’s policy may include you, gaps are common—especially if you moonlight, do telehealth, or provide mobile PT.
Why CarePro Insurance?
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Healthcare‑only focus. We already protect hundreds of allied‑health providers.
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Exclusive access to partnerships with A-Rated Carriers. Decades of PT coverage experience, now online.
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Competitive, transparent pricing. No hidden broker fees.
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Fast COIs for credentialing. Most certificates arrive instantly after purchase.
Coverage Highlights & Sample Pricing*
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Standard Limits: $1,000,000 per incident / $3,000,000 aggregate (higher limits available)
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Defense Costs: Outside the liability limit—so legal fees don’t erode your protection
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Consent‑to‑Settle: You have a voice before any claim is resolved
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License Protection: Reimbursement for professional board hearings
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Cyber Add‑On: Optional safeguard if a patient record system is breached
What Moves Your Premium Up or Down:
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State & venue. High‑litigation states (e.g., NY, FL) trend 15‑30% higher.
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Coverage form. Occurrence typically runs 8‑12% more than claims‑made first‑year, but avoids tail costs.
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Limits selected. Doubling limits from $1M/$3M to $2M/$4M adds ~10‑15%.
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Employee count & payroll. Groups are priced per clinician plus a base fee—hence the step‑ups above.
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Scope of practice. Dry needling, pelvic floor therapy, and injection services can add 5‑20%.
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Claims history. One paid claim in the last 5 years can add 20‑50% or trigger a surcharge.
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Add‑ons. Cyber, HNOA, or EPLI each layer in ~$75–$250 depending on limits.
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Full‑time vs part‑time. Part‑time (<20 hrs/week) often receives a 35–40% discount.
Rates and modifiers are individualized. “May be covered” wording applies until final terms are issued.
How Our Instant Online Portal Works:
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Click “Instant Online Quote” You’ll jump to our secure broker quoting portal.
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Answer a few practice questions. Most PTs finish in under five minutes.
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Review real‑time pricing tailored to your state and risk profile.
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Bind coverage and download proof—no phone tag, no paperwork piles.
Physical Therapy Professional Liability Insurance
Frequently Asked Questions:
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Do physical therapists need their own malpractice policy if they’re W‑2 employees?
Often yes. An employer’s plan may exclude care provided off‑site, after hours, or via tele‑rehab.
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Is professional liability different from general liability for PT clinics?
Yes—professional addresses treatment errors, while general handles “slip‑and‑fall” type accidents.
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Claims‑made vs. occurrence—what’s better for PTs?
Occurrence offers lifetime coverage for an incident, even if a claim surfaces years later. Claims‑made can be less expensive up front but usually requires tail coverage if you switch insurers.
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Does a PT need separate coverage for telehealth sessions?
Tele‑rehab is typically included, but carriers may impose state‑specific conditions.
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What if I expand into dry needling or running biomechanics?
Simply update your application—our portal lets you tweak procedures so your policy can stay aligned.
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Will my policy follow me if I work in multiple settings (clinic, home health, telehealth)?
Yes—our individual policies are written on a 'follow‑the‑therapist' basis, so as long as services fall within your license they travel with you. Just disclose each setting on the application.
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How quickly can I get a certificate of insurance once I purchase?
Immediately. After you bind coverage in the portal, a PDF COI is generated on the confirmation screen and emailed to you within minutes.
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Does my PT malpractice policy cover physical therapist assistants or athletic trainers I supervise?
Individual PT policies cover your acts and omissions only. If you employ or supervise PTAs or ATCs, each clinician should carry their own policy or you should buy a group plan listing them as insureds.
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Do I need additional coverage for posting exercise videos or hosting virtual classes?
Most educational content is covered so long as it aligns with your scope. However, if you monetize large‑scale programs or sell digital courses, notify underwriting so your policy can include the appropriate media/telehealth endorsements.
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What is extended reporting (tail) coverage and when would I need it?
If you have a claims‑made policy and later cancel or retire, tail coverage lets you report claims that arise from work you did while the policy was active. Occurrence policies automatically include this protection, which is why many PTs prefer them.