New York Physical Therapy Clinic Liability & Malpractice Insurance
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Professional Liability (Malpractice) for PT Clinics in New York
New York clinics operate across distinct metro and suburban footprints. Align coverage to patient volume, supervision of PTAs, and documentation practices so your policy mirrors real risk.
Instant online quotes for New York PT clinics-no phone call required.
Malpractice (professional liability) + General Liability with optional Property & Cyber.
Flexible limits and COIs to satisfy credentialing and lease terms.
Standardize consent, intake, and incident reporting to reduce claim friction.
How much does Physical Therapy Insurance cost in
New York
$1,822
- 5 Physical Therapists
$2,970
- 10 Physical Therapists
Average Pricing for $1M/$3M Coverage Limits:
(estimates only, quote your clinic in our portal for exact pricing)
$1,098
- 2 Physical Therapists
$2,198
- 5 Physical Therapists
$3,573
- 10 Physical Therapists
Average Pricing for $2M/$4M Coverage Limits:
(estimates only, quote your clinic in our portal for exact pricing)
$1,399
- 2 Physical Therapists
Physical Therapy Insurance cost varies depending on:
* Scope of services provided
* Claims-made vs. occurrence form
* Policy limits (standard limits are $1/$3M, but $100k/$300k, $250k/$500k, $500k/$1M and $2M/$4M limits available
* Prior claims history
**Note:** Rates will be underwritten for your exact situation.
New York
Physical Therapy Specific Info
New York supports a diverse PT market with varied payer mixes and growth corridors in major metros.
Follow New York board guidance on direct access, referrals, and documentation standards. New York allows direct access to physical therapy without a physician prescription for the first ten visits or thirty days, whichever comes first, when the therapist meets experience and education requirements.
New York allows direct access to physical therapy without a physician prescription for the first ten visits or thirty days, whichever comes first, when the therapist meets experience and education requirements. A referral is required after that window or sooner when evaluation indicates a medical condition that needs diagnosis or co management by a physician.
Maintain compliant disclosures, referral documentation, and recordkeeping as applicable.
New York
Physical Therapy Frequently Asked Questions
Do physical therapy clinics need both general liability and professional liability-what's the difference for PT?
New York allows direct access to physical therapy without a physician prescription for the first ten visits or thirty days, whichever comes first, when the therapist meets experience and education requirements. A referral is required after that window or sooner when evaluation indicates a medical condition that needs diagnosis or co management by a physician. Keep clear documentation of screening and any referral made. Authority: NY Education Law Article 136 and NYSED guidance allows 10 visits or 30 days for direct access.
Common paid losses in New York include slip and fall claims in tight urban treatment spaces, privacy incidents tied to email or device loss, and allegations of failure to refer for red flag conditions. Heat and electrotherapy burns are infrequent but lead to larger settlements when consent is weak. Strong intake screening and consent language reduce these events.
How much does PT clinic malpractice insurance cost in New York (per provider and per clinic)?
Claims-made vs. occurrence for PT malpractice-what's best for a small outpatient clinic and why?
General liability responds to non treatment accidents on your premises including a fall in the lobby or damage to a landlord fixture. Professional liability responds to alleged errors in evaluation or treatment such as an aggressive progression of care that worsens symptoms. Business personal property and equipment breakdown are different coverages and should be added to protect your fit out and devices.
Are dry needling, spinal manipulation, and BFR covered-or excluded-on typical PT policies in New York?
Dry needling is not authorized for physical therapists in New York because needle insertion falls under acupuncture and physician practice laws. Insurers therefore exclude it for PTs in New York. Blood flow restriction is treated as a modality and is typically insured when screening and written consent are documented. Spinal manipulation is assessed as advanced manual therapy and is generally covered when within scope and supported by training. Authority: NYSED Office of the Professions states dry needling is not authorized for PTs.
Does PT insurance cover telehealth and treating across state lines-what are the pitfalls in New York?
Premiums in New York run higher than most states due to urban claim severity and landlord insurance requirements. A new graduate solo clinic may start in the mid hundreds to low thousands per year while multi provider urban groups often pay several thousand per year at one million and three million or two million and four million limits. Rates vary by borough and by prior losses.
What policy limits do PT clinics usually carry in New York-is $1M/$3M enough or should we go higher?
Naming a contractor as additional insured protects your clinic from vicarious liability for work they do for you but it does not insure the contractor malpractice. Use a written agreement that requires the contractor to carry their own professional liability and to indemnify your clinic for their negligence. Collect proof of insurance every year.
Require each contractor to carry professional liability, general liability, and cyber. Workers compensation is required in New York when they have employees and many landlords in the state also demand proof of coverage for contractors on site. Make your contracts clear about notification duties if a claim or breach occurs.
What insurance do we need if we use 1099 therapists, PRN, or mobile PT (HNOA, WC, GL/PL)?
Request a certificate that shows policy numbers, dates, and limits for professional liability, general liability, workers compensation when applicable, and cyber. Ask for additional insured status for your clinic on contractor general liability and require primary and noncontributory wording when leases demand it. Do not accept a certificate as evidence of coverage unless the endorsement is attached.
Does PT malpractice include license/board defense, HIPAA breach response, and cyber/ransomware-or do we need a separate cyber policy?
What insurance do I need to start a PT clinic (or add a second location)-BOP, GL/PL, WC, Cyber, EPLI, Umbrella?
Yes. New York has strict data security and breach rules under the SHIELD Act in addition to HIPAA. Clinics must implement reasonable administrative, technical, and physical safeguards for private information and notify affected people after a breach. A cyber policy helps pay for forensics, notifications, and regulatory response. Authority: GBL 899-bb SHIELD Act.
Prior acts can be preserved when you move between carriers on a claims made policy if you keep continuous coverage and the new policy includes a retroactive date that reaches back. If you switch to an occurrence form you should purchase an extended reporting period so that old events can still be reported. Ask your broker to line up the dates so no gap exists.
How do tail coverage, prior-acts, incident reporting, and consent-to-settle work for PT clinics?
Do direct access and scope-of-practice rules in New York change what insurance I need as a PT clinic?
You must be licensed where the patient is located and New York is not part of the Physical Therapy Compact. Telehealth does not change the need for a New York license when the patient is in New York and your insurer will expect compliance. Verify the patient location at each telehealth visit and document consent. Authority: PT Compact map shows NY is a non member as of 2025.
How do landlord, hospital, or referral contracts in New York change my coverage (e.g., Additional Insured, Primary/Non-Contributory, Waiver of Subrogation)?
Landlords in New York commonly request high limits, blanket additional insured status, primary and noncontributory wording, and waivers of subrogation. Negotiate by offering two million and four million limits on professional and general liability and provide standard blanket endorsements rather than manuscript forms. Explain that blanket endorsements apply automatically to parties you are required by contract to add.
Do PT clinics in New York need Sexual Abuse and Molestation (SAM) coverage, and what limits are typical?
Carry a specific limit for sexual misconduct or abuse defense and put controls in writing. Use chaperones for sensitive exams, maintain doors with windows, and log any patient concern the same day. Annual background checks and a two adult rule for work with minors help satisfy underwriting.
Are student interns and shadowing PT or PTA students covered under our clinic policy in New York?
Listing contractors on your workers compensation policy can produce unexpected premium and audit findings. New York requires most employers to carry workers compensation for employees and the Board treats most people performing work for a for profit business as employees unless a strict independent contractor test is met. Keep contractors separate and require them to show their own policy when they have a payroll exposure. Authority: NY Workers Compensation Law 50 coverage requirement.
Yes. If staff or owners drive for deposits, home visits, or errands you should buy hired and nonowned auto liability. New York minimum auto limits are modest and a serious crash can reach the clinic. This coverage protects the clinic even when the car is owned by an employee.
Does Hired and Non-Owned Auto cover therapists driving to home visits and patient transportation in New York?
If we classify therapists as 1099 in New York, do we still need Workers Compensation, and what are the penalties if we dont?
Increase limits when you sign hospital or health system contracts, add multiple locations, or when your landlord requires higher limits. Two million and four million is common in the city and larger groups often add an umbrella policy. Select limits that match your worst case slip and fall exposure and your clinical profile.
For cash-based PT clinics in New York, does insurance differ (malpractice, GL, EPLI, cyber) compared to insurance-billing clinics?
Shockwave and class four laser are typically insurable when your device is FDA cleared for your use, staff training is documented, and informed consent is obtained. Tell your broker before you add equipment so endorsements and rating are correct. Keep a maintenance and cleaning log for each device.
Does our policy cover payer audits, recoupments, and billing or coding errors in New York, or do we need separate regulatory defense coverage?
Malpractice policies exclude noncompete and non solicitation disputes because they are contract matters. Some business owners policies include a small defense sublimit but it is not intended for prolonged disputes. Work with counsel on your agreements and consider employment practices liability if you want coverage for staff related disputes.
Audits and recoupments often result from weak documentation of medical necessity and timed treatment minutes. Use clear goals tied to function, record objective progress, and ensure codes match the services delivered. Conduct short internal reviews each quarter so errors are corrected early.
What insurance do we need to teach PT workshops, community classes, or cover sports event sidelines offsite in New York?
Track license renewal dates, continuing education, CPR and emergency drills, HIPAA risk analysis, OSHA training, and annual equipment maintenance. Add reminders for direct access screening rules, telehealth consent, and updates to your landlord insurance endorsements. Keep the calendar shared with your broker and your accountant so no filing or insurance date is missed.
How quickly can we get a compliant Certificate of Insurance in New York with Additional Insured, Primary Non-Contributory, and Waiver of Subrogation language?
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