Business Insurance for Physical Therapists

Compare multiple quotes from top carriers with one application.
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.
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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 provide coverage for the most common risks of physical therapy.
Note: Insureon cannot provide quotes for professional liability insurance for physical therapists, also called malpractice insurance.

Business owner’s policy icon

Business owner’s policy

A BOP bundles property insurance and general liability insurance 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
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

This policy, also known as malpractice insurance, covers legal expenses if a patient sues a physical therapist for a work mistake, such as advice that worsens an injury.

BEST FOR
  • Failure to improve a client’s condition
  • Accusations of negligence
  • Mistakes or oversights
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for physical therapy businesses that have employees. It can cover medical costs for work-related injuries.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Workers’ compensation insurance icon

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 insurance cost for physical therapists?

Healthcare professional with a thought bubble with a dollar sign above her head.

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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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.
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