Compare Physical Therapist Malpractice Insurance

Compare the key coverage items below to make sure you have the best malpractice insurance for physical therapists.

The CM&F Difference

With an average savings between 7% to 15% annually, CM&F has the best-priced physical therapist professional liability insurance that is more comprehensive than other options on the market from our competitors.

Not only do we have the highest-rated policies, easy-to-use technology and an exceptional customer service team, but we’ve been protecting healthcare professionals with malpractice insurance since 1947.

  • Coverage Options up to $2 Million per Claim
  • Full Consent to Settle Claims
  • Telemedicine/Telehealth Coverage
  • License Defense Coverage
  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • Sexual Misconduct Defense
  • HIPAA Defense Coverage
  • 24/7 Portable Coverage That Covers You Everywhere You Go – Even in Volunteer, Telehealth, Per Diem or Moonlighting Assignments

Average Savings Of Up To 15% Annually

See Why the Country’s Smartest Physical Therapists are All Choosing CM&F!

Coverage Benefits




Price based on individual physical therapists working full-time.









Defense Costs in Addition

Unlike many insurance carriers, which include the legal costs inside the per claim limit, CM&F pays all legal fees in addition to the indemnity payment.



Consent to Settle

Most liability and malpractice insurance policies DO NOT require the insured’s consent to settle in a suit. Not only does CM&F require the insured’s consent, but CM&F will pay defense costs to fight the claim, as well as pay the full claim regardless of the outcome.



Sexual Misconduct Defense Coverage

Most malpractice insurance policies offer only $25k towards claims of sexual misconduct. Recognizing the hands-on nature of PT services, CM&F offers up to $1,000,000 in defense coverage for any sexual misconduct claims directed at our PT clients.



Apply now for a free, no obligation quote today to see how much you could be saving with CM&F!

There's No Comparison

Peace of Mind While You Practice

CM&F is not your typical insurance provider. We have been in the business of protecting healthcare providers since 1919, and have always been ready to support our clients. As the healthcare industry has had to evolve over the years, the professional liability insurance providers also have had to change. No matter the change or cause, CM&F has continually advocated for full liability protection at an affordable cost by profession by state.

It’s never been easier to get a quote or apply for physical therapist malpractice insurance. You can go into our application portal anonymously, answer a few questions and get an instant, no-obligation quote. The rate you see is the rate you will pay based on the questions you answered. We’re known for affordable physical therapist professional liability insurance that does the job simply. Get a quote today!

Have questions about CM&F professional liability insurance policies?
View our full library of our most frequently asked questions.
Will I have to pay additional legal fees?

Many insurance carriers include the legal costs inside the per claim Limit. For example if you have $1,000,000 Per Claim Coverage and the claim settles for $1,000,000 the client would have to pay the legal costs associated with the claim since they are not paid “In Addition To the Policy Limit”. Legal costs can run into the hundreds of thousands of dollars in certain cases. The CM&F policy will pay all legal fees in addition to the indemnity payment. In the example above the CM&F policy would pay the full amount.

Is my consent required to settle on claims?

Most liability and malpractice insurance policies DO NOT ALLOW the client to fight a claim if they feel they are not at fault. Instead most insurance companies have what is called a “Hammer Clause”. The “Hammer Clause” allows the client to force the insurance defense to move on with the one stipulation. If the claim ultimately pays more than what the insurance company had asked you to settle for the difference is paid by the client. For example, a claim settlement is offered at $100,000 to the physical therapists and their insurance company. The PT did nothing wrong and argues to fight the claim in court. If the insurance company has a “Hammer Clause” that PT would have to pay the difference between the ultimate award and the $100,000. This could be many tens or hundreds of thousands of dollars. The CM&F insurance policy will fight on and pay the full claim regardless if the client chooses not to settle.

Do CM&F policies cover sexual misconduct claims?

The CM&F insurance policy offers up to $1,000,000 in defense coverage for any sexual misconduct claims. Legal fees are EXTREMELY expensive in today’s world. Most companies only offer $25,000 in legal / defense costs. How far will that get you if you are falsely alleged to touch a client inappropriately? CM&F wants to protect their clients to the maximum amount.

Why should I consider an individual professional liability insurance plan from CM&F?

Millions of medical professionals do not trust their employer’s insurance and purchase individual liability protection. An employer’s insurance policy inherently looks out for the employer and not the employee. A policy with CM&F is designed to protect our clients and gives them the power and protection they need if a claim is made.

How do I apply for professional liability or malpractice insurance?

It is easy. Our applications are now available online and take not much longer than 5 minutes to apply and checkout with coverage.