Physical Therapists Professional Liability Insurance

Liability Insurance for Physical Therapy Practitioners

As physical therapy practitioner, you work hard in your career and the care and treatment of your patients. A disciplinary action or malpractice lawsuit can have unforeseen consequences on both your career and financial future. While you may have professional liability insurance (malpractice insurance) through your employer, there may be limitations and you may not be fully protected. Having your own professional liability insurance, designed to put your interests first, is the best way to incorporate personal risk management. That's where Proliability comes in. We offer coverage that provides you peace of mind to focus on your patients with premiums* as low as $80. Coverage is available for Physical Therapy Practitioners that are employed, self-employed or own a practice.

Read more about our risk management services and coverage details.

Find more details about the Indiana Patient Compensation Fund here.

Quick and Easy

Risk Management Services

Risk management and professional liability insurance go hand in hand. At Proliability, we recognize the importance of providing comprehensive risk management resources to our policyholders.

We have partnered with OmniSure Consulting Group, a risk management leader, to provide a host of risk management resources. Our active policyholders receive:

RiskFit^® — a series of risk management content that allows you to test your knowledge on topics including self-assessment tools, sample policies and procedures, checklists, videos, podcasts and articles.
Monthly Risk Reduction Tip — A monthly email sent to policyholders with quick tips and reminders on risk management topics. This email will usually contain a video or brief educational article that is quick to read and keeps you in the know and updated on important risk topics.
Advice-on-Demand — access to a toll-free or email helpline designed to answer risk related questions with a 30 minute consultation with a Risk Consultant.

For more information visit our Risk Fitness^® site.

Coverage Details

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Limits — up to $1/3M

The main feature of the policy that covers you up to the limits on your declarations page that you become legally obligated to pay as a result of a professional liability claim arising out of a covered incident. Limits vary by profession up to $1 million per occurrence/$3 million aggregate. When you complete a quote, the available limits based on your profession and state will be provided.
Legal Representation — Legal fees paid in addition to the liability limits

The policy includes legal representation for covered incidents. This means you have an attorney assigned to you to represent your interests – not the interests of others such as your employer. The legal fees and expenses are in addition to your professional liability policy limits, which is a key benefit to you as this means legal fees and expenses do not erode your liability limits.
HIPAA Coverage — $25,000

Pays up to $25,000 for HIPAA fines, penalties and notification costs.
Licensing Board Reimbursement — $10,000 per incident/$25,000 per policy period

Covers up to $10,000 per incident/$25,000 per policy period for attorney fees or other expenses or fees from an investigation or proceedings from an entity responsible for regulating your profession. In most regulated professions, anyone can file a complaint against you such as your patient, patient’s family, your employer or coworker. If you’re employed, your employer may not reimburse you for investigations or proceedings.
Deposition Expense — $10,000 per policy period

Covers up to $10,000 aggregate for all reasonable fees, costs and expenses to represent you at a deposition which you are required to attend.
Wage Loss and Expense — $500 per day/$10,000 per incident/$25,000 policy period

Covers for lost wages, costs and expenses for your required attendance at a trial, hearing or arbitration proceeding as a defendant in a covered claim.
First Aid Reimbursement — $10,000 per policy period

Covers up to $10,000 per policy for all medical related expenses for rendering first aid to others due to bodily injury.
Medical Payments — $5,000 per person/$100,000 all persons

Covers up to $5,000 per person, up to $100,000 all persons for medical expenses incurred by others due to a bodily injury caused by an occurrence during the policy period.
Damage to Property of Others — $10,000

Covers up to $10,000 for damage to property of others caused by you during the policy period.
First Party Assault Coverage — $10,000/$25,000 policy period

Covers up to $10,000 per incident and $25,000 per policy period for medical expenses or repair or replacement of personal property due to an assault at your workplace premises.
Occurrence Policy Form

Covers incidents that happen during your policy period regardless of when the claims are reported. All of the allied health and nursing policies through Liberty Insurance Underwriters are on occurrence policy forms.
Sexual Abuse/Molestation Coverage - $25,000 sub-limit

Provides up to $25,000 for indemnity.
Portable Coverage — Follows You 24/7

When you apply for individual coverage, the policy covers you for your professional services, including on and off the job, moonlighting and volunteering.
Optional Coverage Features
- Consulting and Educational Services Endorsement
- General Liability Insurance
- Additional Insured Endorsement