What is Physical Therapist Malpractice Insurance?
Professional malpractice insurance for physical therapists offers liability protection against claims associated with mistakes or negligence (whether true or false) that result in bodily injury, medical expenses or even claims of mental anguish or pain and suffering. Physical therapist malpractice insurance allows for professionals to perform daily responsibilities at work without fear of a potential lawsuit.
What Risks Do I Face as a Physical Therapist That Warrants Malpractice Insurance?
Physical therapists are highly trained medical professionals who help people with physical injuries or illness regain range of movement and control their pain. They work directly with their patients, who are at risk of falls of further injury if an accident were to occur. For this reason, physical therapists can find themselves at the center of a malpractice claim. The best way for therapists to protect their career, as well as their personal assets, is to have the appropriate form of malpractice insurance.
Why CM&F For Physical Therapist Insurance Coverage
Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!
For more than 25 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. The dedicated service professionals at CM&F will ensure that your career is protected by our industry-leading malpractice insurance. 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 YOUR OWN your interests could be viewed as secondary to the employer, clinic or office who owns the policy.
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What is the difference between malpractice insurance and 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 already been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against the 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. Millions of medical professionals purchase personal liability (malpractice) insurance protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license and having control of your protection is ALWAYS the best option. CM&F offers both personal liability insurance and group liability insurance.
I’m starting my own company. Do you have a policy that will cover my company for malpractice?
What limit of liability does CM&F recommend?
The liability limits depend on a number of factors and is a very personal decision. We at CM&F always recommend you carry the highest level of liability protection which is $1,000,000 Per Claim. With that said we understand other factors impact this decision including cost, state regulations and many other issues. Call our team to discuss your options.