Business Insurance for Physical Therapists

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Physical Therapists

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Physiotherapist assisting woman while exercising on exercise mat in clinic.

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Why do physical therapists need business insurance?

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.

Physical therapist working with a patient's leg.

One application, multiple quotes

Insureon helps physical therapists compare small business insurance quotes from top U.S. carriers online.

Get several quotes with one easy application.

What types of business insurance do physical therapists need?

These insurance policies cover the most common risks of physical therapy.

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.

BEST FOR

Patient bodily injuries
Damaged patient property
Libel and other advertising injuries

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.

BEST FOR

Slip-and-fall accidents
Damaged patient property
Business property damage and theft

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.

BEST FOR

Employee medical expenses
Disability benefits
Lawsuits over employee injuries

Professional liability / medical malpractice

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.

BEST FOR

Failure to improve a client’s condition
Accusations of negligence
Mistakes or oversights

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.

BEST FOR

Damage caused by your vehicle
Medical bills from an auto accident
Vehicle theft and vandalism

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.

BEST FOR

Customer notification expenses
Data breach lawsuits
Fraud monitoring costs

Looking for different coverage? See more policies.

How much does business insurance cost for physical therapists?

Healthcare professional below a thought bubble with a dollar sign.

A small physical therapy clinic will pay less for insurance than a larger business.

Factors that affect the pricing include:

Physical therapy services offered, such as sports rehabilitation
Exercise equipment and other business property
Business income
Types of insurance purchased
Deductibles and other coverage options

View Costs

How do I get physical therapist insurance?

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:

Complete a free online application
Compare insurance quotes and choose policies
Pay for your policy and download a certificate

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.

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