Protect Your Career with Comprehensive Physical Therapy Liability Insurance
Your career deserves the best protection, join the thousands of physical therapists who have trusted MyPT Insurance to protect their career.
- 100% online checkout
- Immediate certificate
- Industry-preferred occurrence form policy
- Over 500+ modalities included
- Coverage in all 50 states
PT Liability Insurance Policy Cost
We provide affordable physical therapy insurance plans that cater to both employed and self-employed physical therapists. Get immediate physical therapy liability insurance coverage today.
Employed PT Assistant
Rates for PT Assistants working for a company
$89/yr
Please select the Physical Therapist Assistant—Employed profession at checkout
Employed Physical Therapist
Rates for PTs working for a company
$169/yr
Self-Employed PT Assistant
Rates for PT Assistants working independently
$249/yr
Please select the Physical Therapist Assistant—Self-Employed profession at checkout
Self-Employed Physical Therapist
Rates for PTs working independently
$329/yr
Physical Therapist Liability Insurance
Professional liability insurance designed to fit your needs
Physical Therapy is a hands-on profession, which can lead to claims against you as the provider of care even if you work for a company. With My PT Insurance, you can rest easy, knowing you are covered if the unfortunate happens.
Immediate Coverage
Your coverage starts the moment your payment is processed.
Instant Certificate
You’ll receive a Certificate of Coverage (COC) via email immediately upon payment.
Occurrence Form Coverage
You are covered for any incident that happened while your policy was in effect.
Portable Coverage
Your personal insurance coverage follows you wherever you work in the U.S.
Fast Checkout
3-minute application is quick and easy.
Telehealth Coverage
Visit with board-certified physicians or pediatricians 24/7.
Coverage In Minutes—Skip The Quote Process
Fill Out Application
Confirm Coverage
Instant Coverage & COI
Coverage Details
Our policy and the limits have been created specifically for Physical Therapists. Call our Licensed Insurance Agents at 1 (800) 990-3127
Professional Liability
$1 million per occurrence; $3 million per year
Also known as “malpractice insurance” or “errors and omissions insurance,” this coverage protects physical therapists from claims of professional negligence. It includes situations such as injuries caused during therapeutic exercises, improper technique, or failure to provide adequate care during treatment.
General Liability
$1 million per occurrence; $3 million per year
This coverage protects against claims unrelated to your professional services. For instance, if a client trips and falls on your property, it helps shield you from the financial consequences of lawsuits.
Personal Injury & Advertising
$1 million per occurrence, $3 Million per year
Protects you if you’re accused of defamation, such as libel, slander, or false advertising.
Identity Protection
$25,000
Designed to safeguard your personal information, this coverage includes services like credit monitoring, dark web scans, and recovery assistance in the event of identity theft or a data breach.
Why Employed Physical Therapists Need Individual Insurance
Even if your employer offers insurance, you could still face significant risks as a physical therapist. Physical therapy is a hands-on profession that involves direct interaction with clients, making you vulnerable to lawsuits that your employer’s business owner policy may not fully cover.
In certain cases, liability can transfer directly to you, the individual providing care. This means you could be held personally responsible for claims, even if your employer has insurance. Additionally, both you and your employer could be held separately liable, leaving gaps in coverage that might put your career at risk.
Don’t leave your future to chance or rely solely on your employer’s insurance. Protect your career and gain peace of mind by securing your own coverage with MyPT Insurance today.
Why Self-Employed Physical Therapists Need Individual Insurance
As a self-employed physical therapist, your clients rely on you for expert care, but who’s protecting you? Whether you’re treating clients in a private practice, at their homes, or in other settings, you could be exposed to claims involving injury, negligence, or professional errors.
Beyond financial security, liability insurance demonstrates your professionalism and commitment to safeguarding your clients’ well-being, which can significantly boost client trust. Secure your future and build trust with your clients by investing in comprehensive liability insurance today.
Why Physical Therapist Assistants Need Individual Insurance
Even when working under a physical therapist’s supervision, physical therapist assistants (PTAs) are still responsible for their patients’ safety and well-being. If a patient is injured during therapy or treatment, the PTA could also be held liable for negligence, errors, or omissions—even under supervision. In a healthcare environment where risks are inherent, having liability insurance is crucial for PTAs to perform their duties confidently, knowing they’re covered in case of an unfortunate incident.
Physical Therapy Specialties Covered
We are proud to offer coverage for all physical therapy specialties.
Pediatric
Sports
Women's Health
Geriatric
Clinical Electrophysiology
Cardiovascular
Pulmonary
Neurological
Orthopedic
Oncology
Vestibular & Balance Therapy
Trusted by Leading Companies
Rest assured you and your career are protected with MyPT Insurance. We're A-Rated (Superior) and backed by one of the biggest names in the industry, Arthur J. Gallagher.
Customer Reviews
I recently switched to MyPT Insurance for my physical therapy clinic, and I couldn't be happier! Highly recommend for any PT professional!
MyPT Insurance is great! They understand what physical therapists need and make sure we're covered. Also, loved that the customer service is friendly and helpful.
I’ve had this insurance for about 3 years and it is easily the most affordable rate I’ve come across!
FAQs
What type of insurance should a PT have?
Physical Therapists (PTs) should consider securing both professional liability insurance (also referred to as malpractice insurance) and general liability insurance. Professional liability insurance helps cover legal fees and damages in case a client alleges that the PT’s services were inadequate or caused harm. On the other hand, general liability insurance provides protection against claims of bodily injury or personal injury that might arise during the course of work, offering a more comprehensive layer of security for their practice. Additionally, PTs may want to explore coverage options like Identity Theft Protection and Advertising Injury & Personal Injury for complete protection of their career.
What is liability insurance for PTs?
Liability insurance for Physical Therapists (PTs), encompassing both professional liability (also known as malpractice insurance) and general liability, offers extensive protection. Professional liability insurance defends PTs against legal claims that their services caused harm or were inadequate, covering legal defense costs, settlements, and judgments. Meanwhile, general liability insurance shields PTs from claims related to bodily injury or personal injury that may arise during their practice, providing an added layer of protection against a wider range of potential risks.
I work both in an office and at clients' homes. Am I covered in both locations?
Yes, you’re covered in both scenarios. Our insurance follows you wherever you work, whether in your office or at a client’s home. As long as you’re in compliance with state or local regulations, you’ll be covered across all 50 states.
How does physical therapy insurance from MyPT differ from the competition?
MyPT Insurance provides the most affordable professional liability coverage in the physical therapy industry. It offers comprehensive protection for over 500 modalities and the application process is quick, allowing for instant coverage upon checkout, and includes access to health, dental, and vision insurance. We’ve compiled a comprehensive comparison of the leading insurance programs, laying out all the important details for you and to learn more click here.
Which modalities are not covered?
Please give us a call at 1 (800) 990-3127 to discuss policy exemptions.
Where am I covered?
Your insurance policy covers you in all 50 United States. US territories, such as Puerto Rico, are not included in the coverage. Countries outside of the United States, such as Canada, are also not included.
How soon will coverage go into effect?
Coverage is immediate and your Proof of Insurance will be available in your email within minutes.
What is a certificate of insurance?
A certificate of insurance is a document issued by an insurance company that confirms an individual or organization holds an active insurance policy. It outlines key details such as the type of coverage, policy limits, and the policy period. If you’re asked to provide proof of insurance, this is the document you would present.
What’s the difference between Occurrence Form & Claims-Made Coverage?
Occurrence Form Coverage offers protection for claims related to damage or injury that took place during the policy period, no matter when the claim is filed. Often regarded as the gold standard in the health and wellness sectors, this coverage ensures you’re protected for incidents that occur within the policy term, even if the policy has expired when the claim is made. In contrast, a Claims-made policy provides coverage only when a claim is reported during the active policy period, regardless of when the incident that led to the claim happened. It’s crucial to note that this type of coverage won’t apply unless the policy is in effect at the time the claim is made.
How soon will coverage go into effect?
Coverage is active immediately after payment and your Proof of Insurance will be available in your email within minutes.
Can I purchase a policy now and begin coverage later?
Absolutely! You can buy a policy now and choose a start date within the next three months. For instance, if you purchase on August 1 but want coverage to begin on September 27, simply choose September 27 as your start date during checkout.
What is the process for filing a claim?
Filing a claim is easy! Contact our Operations Team at sarasota.bsd.operations@ajg.com to get started. They’ll verify your coverage and ask you to complete a Claim Summary Form. Depending on the situation, they may also request additional documentation. We’ll guide you through the next steps.
