Malpractice Insurance for Physical Therapists

What is Physical Therapy Malpractice Insurance?

Physical therapy malpractice insurance, also known as physical therapy professional liability insurance, offers liability protection against lawsuits associated with mistakes or negligence (whether true or false) that result in bodily injury, medical expenses or even claims of mental anguish, pain and suffering. Malpractice insurance for physical therapists provides PTs the peace of mind to perform their professional duties at work without fear of a potential lawsuit.

Physical Therapist session utilizing best practice to avoid malpractice claims

Not having physical therapy malpractice insurance leads to risk of personal damage to assets, career, finances

What Malpractice Risks Do I Face That Warrant Physical Therapist Liability Insurance?

Physical therapists are highly trained medical professionals who help people with physical injuries or illness regain range of movement and control their pain. PTs work directly with their patients, who are at risk of falls or further injury if an accident were to occur. For this reason, physical therapists can easily find themselves at the center of a malpractice claim.

Do Physical Therapists Need Professional Liability Insurance?

Yes. All PTs should invest in an individual physical therapy liability insurance policy. The best way for PTs to protect their career, as well as their personal assets, is to have the appropriate form of professional liability insurance for physical therapists.

Why Do I Need Physical Therapy Professional Liability Insurance?

Because legal judgements can threaten personal assets as well as future earnings, physical therapy professional liability insurance is vital. Physical therapy liability insurance is designed to protect your personal assets and cover your legal expenses in the event of a medical malpractice lawsuit or claim. Relying solely on your employerʼs group malpractice insurance policy to protect your personal assets from a lawsuit could still leave you exposed to financially devastating legal costs. Group policies often have “shared limitsʼ, which means if multiple people are named in a lawsuit, legal defense costs alone could easily exhaust the policy limits, still leaving you personally responsible. Purchasing your own physical therapy malpractice insurance coverage – in your name as the owner – is the best financial protection for you, your family and your career.

Benefits of CM&F Physical Therapy Malpractice Insurance Coverage

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

Will My Professional Liability Policy Include Telemedicine Malpractice Insurance?

CM&F’s professional liability insurance for physical therapists includes telemedicine malpractice coverage, as long as you are providing services within your scope of practice according to relevant laws in your state.

With telemedicine becoming more popular, better understood and in-demand by patients, CM&F recognizes the importance of telemedicine malpractice coverage. When you purchase a physical therapy professional liability policy from CM&F, you will be covered 24/7 no matter where you work or method of patient care delivery – virtual and/or in-person. There is no additional charge for this coverage. If you have any questions, or would like further clarification, please consult your policy details or reach out to us.

Telemedicine Provider treating patient - PT providers should have telemedicine malpractice insurance for services


Why Buy Physical Therapist Malpractice Insurance Coverage from CM&F?

Thousands of professionals have trusted us with their careers for over a century and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings for financial stability.

For more than 70 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. We are dedicated to protecting the livelihood of physical therapists across the US. CM&F’s dedicated service professionals will help you understand the best choices for your situation and ensure that your career is protected by the best physical therapy malpractice insurance in the industry. CM&F is a provider of physical therapist malpractice insurance that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.

We provide employer liability insurance for physical therapy groups, as well as other healthcare groups, so we know first hand that should a claim arise, unless the policy is IN YOUR OWN NAME, your interests could be viewed as secondary to the employer, clinic or office who owns the policy.

Your personal physical therapy liability insurance policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know you’re covered. Select your profession from our directory or contact us for more information!

Find Out Why The Best Organizations And Hundreds of Your Peers Recommend CM&F!

VGM Insurance Services with Preferred Therapy Provider Logo

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Private Practice Section, a component of American Physical Therapy Association Logo

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What is the difference between malpractice insurance and professional liability insurance?

These terms are both interchangeable. Malpractice insurance is a liability insurance specifically designed to protect medical professionals.

Does having my own individual professional liability insurance policy make me a more likely target for a lawsuit?

Absolutely not. In fact your insurance status is not discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a "named insured." Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

I’m starting my own company. Do you have a policy that will cover my company for malpractice?

Absolutely. We have liability coverage for individuals, sole-proprietors, clinics, schools and groups. Get in touch with us to discuss your needs.

What limit of liability does CM&F recommend?

The liability limits depend on a number of factors and is a very personal decision. Though we offer policy limits up to $2,000,000 per claim, we typically recommend that liability protection of $1,000,000. With that said, we understand the many factors that impact this choice, including cost and state regulations. Call our team to discuss your options.

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