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.

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.

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.

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.

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

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

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.

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

There are no refunds or cancellations.

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

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

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

Yes, we offer monthly payment options through PayPal’s Pay Monthly credit service. Although this provides flexible payments, we recommend paying in full upfront to skip the credit check. PayPal’s program splits your total policy cost plus a service fee into monthly installments. This option involves a credit check and charges no interest if paid off within six months. After that, interest fees may apply.

Starting a claim is simple. Email our Operations Team at sarasota.bsd.operations@ajg.com to kick off the process. They’ll confirm your coverage, have you complete a Claim Summary Form, and may request additional documents depending on your situation. From there, we’ll handle the next steps and keep you informed.

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.

You can retrieve your certificate of insurance by logging into your member portal and selecting the “Certificate of Insurance” section. Alternatively, call us and we’ll send it to you via email.

Definitely! You can purchase your policy now and schedule the start date for up to three months later. For example, if you buy your policy on May 1 but want coverage to start on June 21, just set June 21 as your start date at checkout.

To add an additional insured, please call us at 800-990-3127.