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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.
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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 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?
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
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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