9 Questions Every Physical
Therapist Should Know About Their Career

You may have some questions before you start your career as a physical therapist. What is the compensation? What are my job responsibilities? And do I need individual physical therapy insurance? At CM&F we want to provide you with more than affordable physical therapy professional liability insurance. We want to be a resource for all your questions. The following list of questions are important to review with your new employer, or even with your existing employer as you change positions. Use the below guide to help you get the answers you need as you move on in your career – and if you need to invest in your own malpractice insurance for physical therapists.

What are the job responsibilities of a physical therapist at your company?

Physical therapist responsibilities can span a variety of areas depending on the field you enter, the size of your place of employment, or even local laws and regulations enforced by the state medical board. It is always a good idea to clarify what your daily responsibilities are, what your employer’s expectations are, and what you are legally allowed or not allowed to do within PT scope of practice.

Are there any physical therapist continuing education opportunities to further my career as a physical therapist?

?The physical therapy profession undergoes changes all the time. As the laws change, and the medical boards expand the roles of physical therapists, advancing your education, keeping current with medical best practices or getting specialty certificates for specific fields of medicine are just a few of the myriad ways physical therapists can expand their career.
Just remember, as you further study the physical therapy profession, it is especially vital to have your own professional physical therapist insurance policy. Even if your employer is the one encouraging or paying for you to get continuing education, their physical therapy group malpractice insurance policy will not cover you outside of the office and your regular working hours.

CM&F’s malpractice insurance for physical therapists is comprehensive and flexible, designed to fluctuate with the changing relevant laws, so you know you are always covered within scope of practice as outlined within your policy.

Physical Therapist Clinic with Patients

What is the starting salary of my position? How does that compare to the average?

?Salary negotiations are often a tough subject for interviewees, newly hired or newly promoted employees. Make sure to do research on the starting, average and maximum salary rates for your position, in your medical field, in your state. With the salary being offered, also be sure to measure the additional benefits like PTO, continuing education or access to personal physical therapist malpractice insurance.

What does physical therapy malpractice insurance cost?

Physical therapist malpractice insurance cost varies depending on position, type of coverage, and location. With CM&F, PT insurance is affordable and comprehensive with plans as low as $81.00 dollars a month. Our competitors cannot match our low prices, as well as our all-encompassing coverage plans. To learn more about pricing for your specific profession in your state, give us a call or get a quote online.

What do I need to do to succeed as a physical therapist?

Know the expectations of your employer. If you know the expectations and meet or exceed them on a daily basis, as well as show drive and motivation to grow, your career will advance in no time. CM&F is adamant about protecting the livelihood of physical therapists for this very reason. A professional liability insurance policy for physical therapists with CM&F eliminates personal financial risk, damages to your reputation, as well as license or medical board repercussions.

The CM&F Advantage

PTs Save an Average Annual Savings of
up to 50% at CM&F

CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to physical therapists has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital professional coverage with:

  • A++ Rated Insurance & Lowest Priced Physical Therapy Liability Insurance Products
  • Outstanding Customer Service with a Direct Contact Line
  • Superior Claims Management
  • Fast Automated Application Process
  • 24/7 Access to Your Personal Online Document Archive