Physical therapists combat injuries with exercise, but accidents are bound to happen. Physical therapy clinics and solo practitioners need to be prepared for malpractice suits, injuries – even cyberattacks. Business insurance covers unexpected costs so you can focus on your work. Some policies may be required by state laws or the terms of a commercial lease.
These insurance policies cover the most common risks of physical therapy.
A general liability policy covers basic third-party risks, such as an injury from a patient tripping in your office. It's often required for commercial leases.
A BOP bundles commercial property insurance and general liability coverage under one plan. It's often the most cost-effective type of commercial insurance for physical therapists.
Most states require workers' comp for physical therapy businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
A professional liability policy covers legal defense costs if a patient sues a physical therapist for a work mistake, such as advice that worsens an injury. It's also called malpractice insurance.
Most states require commercial auto insurance for vehicles owned by a physical therapy clinic. It helps cover the cost of an accident involving your business vehicle.
This policy helps physical therapy clinics survive data breaches and cyberattacks. It can often be added to a business owner's policy or general liability policy for savings.
It's easy to get physical therapy business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your physical therapy clinic, whether you're self-employed or hire employees.