malpractice insurance for physical therapists

Insurance for physical therapists

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why do physical therapists need malpractice insurance?

Malpractice insurance (professional liability insurance) for physical therapists is not merely a precautionary measure; it is an indispensable component of a responsible practice. The nature of physical therapy, which involves direct patient contact, manual therapies, and the use of specialized equipment, inherently carries a risk of accidents and injuries, however unintentional they might be.

The increasing litigiousness in the healthcare sector underscores the need for robust protection against legal claims. A single malpractice lawsuit can have far-reaching consequences, both professionally and financially, for an uninsured therapist.

According to the American Physical Therapy Association (APTA), malpractice claims against physical therapists are not uncommon. While the majority of physical therapy sessions conclude without incident, the APTA emphasizes the importance of professional liability insurance in safeguarding practitioners against unforeseen circumstances. A 2020 report from the National Practitioner Data Bank highlights that the average malpractice payment for physical therapy-related claims was approximately $150,000, underscoring the financial implications of such lawsuits.

In addition to protecting against malpractice claims, physical therapists should also be covered for a range of other potential liabilities. These include personal injury claims, such as slips and falls within the practice premises, and privacy breaches, especially pertinent in the age of digital health records. Given the sensitive nature of patient data, physical therapists must also be prepared to address any legal challenges related to confidentiality and information security.

How much is malpractice insurance for physical therapists?

Liability insurance for physical therapists can be cost effective.The cost of liability insurance for physical therapists can vary based on the type of coverage, the size of the practice, and other factors such as risk exposure. Here are approximate costs of liability insurance for physical therapists:

A Business Owner’s Policy (BOP) can cost $655 annually, for coverage of $1 million per occurrence, protecting you against patient injuries, property damage, and damage to your own business property. The Business Owners Policy typically includes General Liability Insurance.

Professional Liability Insurance can cost just $100-500 per year depending on the state and practice setting. This covers you against malpractice lawsuits, license protection, and other related areas.

It’s important for physical therapists to carefully consider their insurance needs and choose policies that provide adequate coverage, considering the potential financial impact of malpractice claims and the specific risks associated with their practice. Westwood Insurance Group can help you find the most suitable insurance for your specific needs.

what types of insurance do physical therapists need?

General Liability Insurance

General Liability Insurance

This is necessary for physical therapists with their own facilities. It  covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or organization could be legally responsible for.

Business owner's policy (BOP insurance)

Business owner's policy (BOP insurance)

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for physical therapists with small to medium-sized businesses, providing a blend of liability protection and property insurance.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual physical therapists during their practice. It differs from General Liability insurance, which covers the practice itself. 

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for physical therapists who use a vehicle for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect physical therapy practices and their employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Contact Michael Richards now

Michael Richards, President, Westwood Insurance Group

Michael specializes in insurance for physical therapists You can call him or one of the team on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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traditional insurance products

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    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:


    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.