Physical Therapist Insurance

Physical Therapist Liability Insurance

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Compare Physical Therapist Liability Insurance

Comparing the Best Insurance for Physical Therapists

Choosing the right physical therapist insurance can be overwhelming, with countless options available and varying coverage details. Sorting through policy limits, rates, and terms can quickly become confusing, and constantly jumping between different providers doesn’t make it any easier.

Physical Therapy Insurance Comparisons

To simplify things, we’ve taken the hassle out of the process. We’ve compiled a comprehensive comparison of the leading insurance programs, laying out all the important details for you. You’ll be able to see exactly what each provider offers and how they compare, all in one place.

Table of Contents
  • *Employed
  • *Self-Employed Rate
  • Assistant Employed
  • Assistant Self-Employed
  • Student Rate
  • Professional Liability
  • General Liability
  • Personal & Advertising Injury
  • Occurrence Form
  • Additional Insured
  • Portable coverage
  • Telehealth Coverage
  • Identity Protection
  • Quote Process
  MYPT HSPO CM&F Proliability
*Employed Rate $169/YEAR $202/YEAR $212/YEAR $175/YEAR
*Self-Employed Rate $329/YEAR $645/YEAR $481/YEAR $784/YEAR
Assistant Employed $89/YEAR $105/YEAR $112/YEAR $82/YEAR
Assistant Self-employed $249/YEAR $296/YEAR $489/YEAR
Student Rate $69 Varies by State* Varies by State* Varies by State*
Professional Liability INCLUDED INCLUDED INCLUDED INCLUDED
General Liability INCLUDED NOT INCLUDED NOT INCLUDED NOT INCLUDED
Personal & Advertising Injury $1MM Aggregate Additional Cost Additional Cost Not offered
Occurrence Form
Additional Insureds $30 Unlimited based on policy Premium based on policy Premium Price not listed
Portable Coverage
Telehealth Coverage
Identity Protection
Quote Process
Get Covered

Rates range from $89-$329 depending on profession

*Total cost is calculated based on the basic policy of professional Liability, general liability, personal injury & Advertising Injury, occurrence form, portable coverage, telehealth coverage and identity protection. Occurrence Form Coverage: preferred insurance coverage where a policy covers claims that arise out of damage or injury that took place during the policy period, regardless of when a claim is made. NOTE: The information in this comparison has been gathered from the websites of each organization and other third-party sources. No guarantee or assurance is made by MYPT as to the accuracy or completeness of this information. This information was confirmed in June 2024.



MyPT Insurance

Pros:
  • Most Affordable options
  • Includes a wide range of modalities, covering over 500
  • Occurrence form coverage
  • Offers instant coverage upon checkout
  • Health, Dental, and Vision coverage access included
  • Easy Renewal Process
Cons:
  • Does not offer coverage outside of the United States.

MyPT Insurance provides affordable professional liability coverage specifically designed for physical therapists. It offers comprehensive protection for over 500 modalities. The application process is quick, allowing for instant coverage upon checkout, and includes access to health, dental, and vision insurance.

While MyPT Insurance excels in many areas, it does not offer coverage outside the United States. Overall, the easy renewal process and simple online experience enhance its appeal for physical therapists looking for reliable insurance.

MyPT Insurance Options

to Choose From

Employed PT Assistant

Rates for PT Assistants working for a company

$89/yr

Get Covered

Please select the Physical Therapist Assistant—Employed profession at checkout

Employed Physical Therapist

Rates for PTs working for a company

$169/yr

Get Covered

Self-Employed PT Assistant

Rates for PT Assistants working independently

$249/yr

Get Covered

Please select the Physical Therapist Assistant—Self-Employed profession at checkout

Self-Employed Physical Therapist

Rates for PTs working independently

$329/yr

Get Covered


HPSO

Pros:
  • Provides coverage for 200+ different healthcare professions
  • Policies include other benefits like personal liability, license protection, and deposition representation
  • Offers both claims-made and occurrence policies
  • Portable policies
Cons:
  • If policy covers multiple professions, you will pay for whichever profession has the higher premium
  • Website is difficult to navigate

HPSO (Healthcare Providers Service Organization) provides professional liability coverage for healthcare professionals, protecting against malpractice claims and lawsuits. With over 40 years of experience, HPSO offers comprehensive coverage, including added benefits like license protection and deposition representation. They also offer up to 60% student discounts. However, covering multiple professions under one policy results in charges based on the highest premium.



CM&F

Pros:
  • 24/7 portable coverage
  • License defense coverage
  • Coverage for many different professions
Cons:
  • Slow communication efforts
  • Website is difficult to navigate
  • Difficult renewal process

CM&F offers professional liability insurance for healthcare professionals, including low-cost options for students. Their coverage includes license defense and 24/7 portable protection, ensuring professionals are covered wherever they work. However, some customers have reported issues with slow communication, website usability, and difficulties during the policy renewal process.

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Proliability

Pros:
  • Offers both low-cost options and higher tiers of coverage
  • Covers a wide range of industries
  • Coverage available for needs like cyber insurance, identity theft, or workplace violence
  • Separate tailored liability coverage for teachers
Cons:
  • Difficult claim reporting process
  • Website is difficult to navigate
  • Renewal process is challenging

Proliability Insurance offers professional liability coverage for various professions. They provide customizable policies, including both claims-made and occurrence options. However, some customers report challenges with the claim reporting process, website navigation, and policy renewal.

Physical Therapy Insurance Options

to Choose From

Employed PT Assistant

Rates for PT Assistants working for a company

$89/yr

Get Covered

Please select the Physical Therapist Assistant—Employed profession at checkout

Employed Physical Therapist

Rates for PTs working for a company

$169/yr

Get Covered

Self-Employed PT Assistant

Rates for PT Assistants working independently

$249/yr

Get Covered

Please select the Physical Therapist Assistant—Self-Employed profession at checkout

Self-Employed Physical Therapist

Rates for PTs working independently

$329/yr

Get Covered

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Helpful Links:

  • PT Insurance Comparisons
  • Additional Insureds Form
  • Member Login
  • Renew Your Policy

Should you have any questions about an existing or new liability insurance policy with My PT Insurance, call (800) 990-3127 and speak with a live representative, Monday – Friday, 8:30am to 5:30pm.

My PT Insurance | 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202

My PT Insurance logo My PT Insurance BBB Business Review
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.

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