Physical Therapist Insurance

Physical Therapist Liability Insurance

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Call: 800-990-3127

FAQs

Frequently Asked Questions

Best rates for Physical Therapist Insurance

These frequently asked questions (FAQs) are designed to provide a better understanding of physical therapist insurance through My Physical Therapist Insurance policies and member benefits.

If you can’t find the answer you’re looking for, contact us.

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Why Do I Need Professional Liability Insurance if I work for an employer?

Although you work for an employer, you may need individual insurance for a few reasons.

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.

Am I a target for a lawsuit by having physical therapy liability insurance?

In the event of a lawsuit, the attorney for the injured party names everyone involved in the patients care. They do not know who has liability insurance. Insurance contracts are private information that’s not publicized.

What’s the difference between Occurrence Form Coverage and Claims-Made Coverage?

Occurrence Form Coverage. A policy covering claims that arise out of damage or injury that took place during the policy period, regardless of when claims are made. Occurrence form coverage is considered the gold standard in the health and wellness industries as it covers you for an incident that occurred during the policy period, regardless if the policy is still active.

Claims-made policy. A policy providing coverage that is triggered when a claim is made against the insured during the policy period, regardless of when the wrongful act that gave rise to the claim took place. It is important to note that a claim made policy will not cover you unless the policy is active when the claim is made.

Is the policy in my name or my business' name?

This policy is specifically for the individual. If you have a corporation, partnership, or work for a franchise, the business may be added as an additional insured for an additional $10.

What isn’t covered?

Please give us a call at 8009903127 to discuss policy exemptions.

How do I file a claim?

Check your certificate of insurance for claims information. Or you can call us at 8009903127.

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.

I lost my proof of coverage, how do I get another one?

Log into your customer portal, download, save, and print a new proof of insurance at no cost.

Can I cancel my policy or get a refund?

There are no refunds or cancellations.

How soon will coverage go into effect?

Coverage is immediate and your Proof of Insurance will be available in your email within minutes. Click here to purchase.

Which states am I covered?

All 50 United States (U.S. Territories not included).

Does my policy cover medical expense claims?

The general liability portion of your policy covers medical expenses. The general liability policy limits apply.

Glossary Of Terms

Additional Insured
Aggregate Limit
Broker
Claims-Made
Deductible

General Liability
Identity Theft Protection
Individual Aggregate Limit
Occurrence Form
Product Liability
Professional Liability

Qualifying Event
Rental Damage Insurance
Shared Aggregate Limit
Stolen Equipment Insurance
Underwriter

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Employed

Rates for PTs working for a company

$149/yr

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Self-Employed

Rates for PTs working independently

$297/yr

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My PT Insurance logoShould you have any questions about an existing or new liability insurance policy with My PT Insurance, call (800)-964-0158 and speak with a live representative, Monday – Friday, 8:30am to 5:30pm.
My Pt Insurance | 3948 3rd Street South #279, Jacksonville Beach, FL 32250

The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC, members of which are also members of Protection Plan Association, Inc. The Identity Arthur J. Gallagher Risk Management Services, LLC is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Arthur J. Gallagher Risk Management Services, LLC is the insurance partner for Protection Plan Association, Inc. members. Arthur J. Gallagher Risk Management Services, LLC, a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, LLC 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 Aspen Specialty Insurance Company, which is rated A (Excellent) by 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 included as a member benefit of Protection Plan Association, Inc., an association 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. 3948 3rd Street South #279, Jacksonville Beach, FL 32250Privacy Policy & Terms of Service