Do Physical Therapists Need Insurance?

Physical therapists play a hands-on role in maintaining and promoting overall fitness and health. The personal interaction with patients creates a need for physical therapists to have their own independent liability insurance.

Through continued research, My PT Insurance has created an insurance policy specifically for physical therapists to help protect their career and financial stability in the event a claim is filed against you.

You have invested your time and money into training, education to enhance your career. A small investment now can help you in the event the unfortunate happens. LEARN MORE >

What is Physical Therapy Insurance?

Professional liability Insurance is designed to protect your assets and cover your expenses in the event of a malpractice situation. My PT Insurance has crafted a policy that is economical and provides you with the peace of mind you need to further your career.

Your extensive education, training, and experience as a physical therapist allows you to assist clients in achieving their personal health goals. By practicing without individual professional liability insurance, you could be placing your career and future finances as risk.

Whether you’re self-employed or employed with a company, My Physical Therapist Insurance is here to provide affordable insurance coverage while protecting you and your patients.

Who Needs Physical Therapy Insurance?

Every physical therapist should invest in professional liability insurance. A patient can file a claim directly against you as the individual, blame may be transferred to you, both you and your employer can have shared blame, or your employer is not properly insured.

Having your own individual policy with My PT Insurance can help if any of these situations happen. If a claim is filed, and you are responsible for any of these reasons, you will have peace of mind knowing you are covered.

Compare Your Physical Therapy Insurance Options

My PT Insurance offers even more benefits than our competitors (such as identity protection, and a free professional website) and covering $1 million per occurrence and $3 million annually, My PT Insurance offers the best-priced insurance. Annual rates for professionals is $149—in comparison to million dollar lawsuits, insurance isn’t that expensive.

*Occurrence Form Coverage policy covers claims that arise out of damage or injury that took place during the policy period, regardless of when a claim is made.

Coverage Includes

What Type of Physical Therapy Insurance is Right For You?

First, choose a plan with at least $1 million in liability coverage per occurrence. This may sound like a lot, but million dollar lawsuits are becoming very common.

If you’re a physical therapist as well as a personal trainer, yoga instructor, or massage therapist, one plan can protect you in all modalities. My PT Insurance covers more than 350 modalities and other wellness practices.

While you may be working at one place right now, you never know what the future holds. Opportunities may arise to teach at a new location which is why My PT Insurance will follow you no matter where you work.

Make the most of your money and look for a plan with added benefits. My PT Insurance covers lost or stolen equipment and offers bonus resources such as a free business website and professional resources for physical therapists.

You will also want to consider what happens after your insurance policy expires. With occurrence form coverage any claim that is filed after your policy has expired will be covered, as long as the incident in question happened while your policy was still active.

Many other insurance companies have a claims-made policy that will not cover you if a claim is filed after your policy expires. My PT Insurance offers an occurrence form policy to all of its policy holders, so that you will be covered in the event that an incident does arise.

Applying for Physical Therapy Insurance

My PT Insurance does not have a lengthy online application and quote process, but instead uses a simple checkout which only takes a few minutes.

We’ll ask you for your contact information, profession, and which coverage you’d like to receive.
We make the process quick and simple—no waiting weeks to receive an over-priced insurance quote. You may want to opt for the additional insured option. This will protect a person or business entity, should the name of the insured be found negligent.

Starting a new physical therapy job tomorrow? My PT Insurance has you covered. You’ll receive instant coverage and proof of insurance as soon as you pay.