Business Insurance for Physical Therapists

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Physical Therapists

Or call us at (800) 688-1984

Physiotherapist assisting woman while exercising on exercise mat in clinic.

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Save money by comparing insurance quotes for physical therapists

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.

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.

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

Slip-and-fall accidents
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 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.

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.

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

View Costs

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