Business Insurance for Physical Therapists

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Physical Therapists
Physiotherapist assisting woman while exercising on exercise mat in clinic.
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The high cost of patient lawsuits, injuries, and equipment damage can put a physical therapy practice at risk. Physical therapist insurance can help cover legal fees, medical bills, and more.

Physical therapist working with a patient's leg.
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One application, multiple quotes

Insureon helps physical therapists compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do physical therapists need?

These policies cover the most common risks of physical therapy.

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General liability insurance

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.

  • Slip-and-fall accidents
  • Damaged patient property
  • Libel and other advertising injuries
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Business owner’s policy

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.

  • Slip-and-fall accidents
  • Damaged patient property
  • Business property damage and theft
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Workers’ compensation insurance

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.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits over employee injuries
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Professional liability insurance

This policy covers legal expenses if a patient sues a physical therapist for a work mistake, such as advice that worsens an injury. It's sometimes referred to as malpractice insurance.

  • Failure to improve a client’s condition
  • Accusations of negligence
  • Mistakes or oversights
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Commercial auto 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.

  • Damage caused by your vehicle
  • Medical bills from an auto accident
  • Vehicle theft and vandalism
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Cyber liability insurance

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.

  • Customer notification expenses
  • Data breach lawsuits
  • Fraud monitoring costs
Looking for different coverage? See more policies.

Why do physical therapists need insurance?

Physical therapists combat injuries with exercise, but accidents are bound to happen. Physical therapy private practices and solo practitioners need to be prepared for malpractice suits, employee injuries – even cyberattacks. Physical therapist insurance can cover expenses stemming from these risks and more. Some policies may be required by state law or the terms of a commercial lease.

How much does insurance cost for physical therapists?

Healthcare professional below a thought bubble with a dollar sign.

Several factors will have an impact on insurance costs, including:

  • Physical therapy services offered, such as sports rehabilitation
  • Exercise equipment and other business property
  • Revenue
  • Location
  • Number of employees
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Physical Therapists