Physical Therapy Liability Insurance You Can Trust
Protect Your Career with Affordable, All-Inclusive Coverage Designed for Physical Therapists
PT Insurance Options:
We provide affordable physical therapy insurance plans that cater to both physical therapists and PT assistants. Get immediate physical therapy liability insurance coverage today!
Employed Options:
Rates for PT Assistants and PTs working for a company
Self-Employed Options:
Rates for PT Assistants and PTs working independently.
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 Insurance: 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 Insurance: 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.
Protects you if you’re accused of defamation, such as libel, slander, or false advertising.
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.
Who Needs Physical Therapy Insurance?
Every physical therapist should carry professional liability insurance regardless of where or how they practice.
A patient claim can arise in several ways:
- You may be named directly in a lawsuit
- Blame could be shifted to you, even if you weren’t primarily responsible
- You and your employer could both be held liable
- Your employer’s insurance may be insufficient or nonexistent
Having your own individual policy with MyPT Insurance ensures you’re protected, no matter how the claim is filed.
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
Let’s Compare Physical Therapy Liability Insurance Options
Lowest Price Physical Therapy Liability Insurance: When choosing physical therapy insurance, price is often a key factor, but it’s important to look beyond the number. For example, HPSO’s rates vary by state and employment status. CM&F promotes savings of up to 50% compared to competitors, but final costs depend on your practice setting and selected limits. Proliability offers customizable coverage, but premiums can fluctuate depending on whether you choose claims-made or occurrence form. In contrast, MyPT Insurance offers flat-rate coverage with no hidden fees, confusing discount tiers, or membership requirements, making it easier to understand your costs upfront and plan for annual renewals.
| 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 |
*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.
General Liability Insurance Included
Unlike many top providers, MyPT Insurance includes general liability coverage as a standard part of every policy, at no extra cost. General liability insurance protects you against common business risks like slip-and-fall injuries or accidents that happen in your treatment space, even if they aren’t related to your professional services. While others focus mainly on professional liability, general liability often requires a separate policy or upgrade. MyPT bundles both coverages together, offering more complete protection without added fees.
No Quote Process
Unlike most providers, MyPT Insurance doesn’t require a lengthy quote process. You can view your rate and purchase coverage in minutes. While other providers often ask for detailed personal and professional information just to generate a quote, with pricing that varies based on factors like hours worked, location, or coverage type. MyPT keeps it simple with transparent, flat-rate pricing and instant online enrollment—no waiting, no guesswork, and no hidden fees.
Claims Made vs. Occurrence Form
Rest easy knowing MyPT Insurance provides occurrence form coverage, the gold standard for long-term protection.
Occurrence Policy
An occurrence form policy covers incidents that happen during the policy period, no matter when the claim is filed.
Example: If an injury occurs in July 2024 while the policy is active (Jan–Dec 2024), it’s covered, even if the claim comes in 2026.
Policy Period
Incident Occurs
Claim Filed