Liability Insurance for Physical Therapy Clinics

• Up to $2 million per claim for amounts you become legally obligated to pay due to a professional liability claim arising from a covered incident.
• Up to $4 million aggregate for all covered claims within the policy period.

Your policy covers you anytime, anywhere you provide services outlined within your scope of practice according to relevant state laws, as outlined within your policy agreement. This includes full-time, part-time, telehealth, locum tenens, PRN, per diem or moonlighting assignments, and volunteer work.

You have the final say when it comes to settling a suit. We will not settle without your consent, and you have the right to take a claim to court.

All CM&F policies include telemedicine malpractice coverage for all services within your scope of practice according to state laws. Learn more about telemedicine malpractice insurance

Good Samaritan Acts coverage protects you up to the limits of your policy if anything goes wrong while providing emergency care to a non-patient.

Your policy will include coverage for expenses occurring from a bodily injury or damage to your personal property resulting from an assault while traveling to and from your place of employment.

CM&F professional liability policies cover up to $25,000 for expenses incurred while rendering first aid to another individual.

Your CM&F policy includes coverage up to $25,000 per claim / $100,000 aggregate for medical expenses incurred by others as a result of a covered incident.

Even if you are not named in a lawsuit, there may be scenarios where you are required to attend a deposition. Your policy covers expenses you may incur, including [travel expenses, meals, and lost wages] up to $25,000.

Your policy will cover up to $35,000 per claim / $100,000 aggregate for defense costs arising out of disciplinary, licensure, Medicare/Medicaid billing errors or similar administrative proceedings arising from covered incidents.*

When needed, a defense attorney will be provided to represent you in court. Win or lose, legal fees in connection with a covered claim are covered without impacting your liability coverage limits.

Your policy will cover up to $1,000,000* per policy period for amounts related to the defense of covered claims involving sexual misconduct.

*For groups with school exposure or Massage Therapists – your policy will cover up to $25,000 per policy period for amounts related to the defense of covered claims involving sexual misconduct.

Information privacy coverage reimburses you up to $35,000 for costs related to claims alleging HIPAA violations, including relevant HIPAA fines.*

Your policy will cover up to $2,500 per day / $35,000 aggregate for loss of earnings arising from a covered incident.

CM&F professional liability policies cover up to $10,000 for expenses arising out of biomedical waste hearings for covered incidents.

Your policy will cover up to $1,000 aggregate for damages to personal property belonging to others, but for which you are responsible.

With CM&F, there are no fees to add additional insureds to your policy. Additional Insured parties receive a shared limit with the First Named Insured for vicarious liability.

All physical therapy clinic liability insurance plans from CM&F include workplace liability insurance to provide coverage for claims of bodily injury or property damage brought by your patients.