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 provide coverage for the most common risks of physical therapy.

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

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

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

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.

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

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