Physical Therapy Insurance

Protect your business for as low as $121

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Broadest Coverage. Lowest Cost.

Your business is unique, so your physical therapy insurance should be, too. We’ve made it easy to tailor coverage to your unique needs—at competitive rates.

Professional Liability Physical Therapy Insurance Coverage

Professional physical therapy liability insurance protects your business if you are sued for negligence, including claims of:

Personal injury (e.g., libel or slander)

Property damage to others

Bodily injury

Loss of earnings for attendance at arbitration, trial or mediation

Deposition Fees and Expenses

Temporary staff and independent contractors

Sexual misconduct

Licensing Board Investigation

Medical Expense

For a complete list of coverage, contact us at 844.257.4079.

Coverage Limits

Basic General Physical Therapy Liability Insurance
Coverage
$1,000,000 per incidence
$3,000,000 aggregate limit
Sexual Abuse General Physical Therapy Liability Insurance
$100,000 per incidence
$300,000 aggregate limit
Products Physical Therapy Liability Insurance
$1,000,000 aggregate limit and
others available

Affordable Professional Liability Physical Therapy Insurance

Full-time and part-time physical therapy insurance for as low as $121. Student pricing also available.

Pricing examples based on policies with a liability waiver. For a more accurate pricing, Get Instant Quote

$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$94
$100
$122
Part-Time Non-Certified
$121
$129
$162
Full-Time Certified
$138
$147
$187
Full-Time Non-Certified
$186
$200
$259
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$94
$100
$122
Part-Time Non-Certified
$121
$129
$162
Full-Time Certified
$138
$147
$187
Full-Time Non-Certified
$186
$200
$259
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$91
$96
$116
Part-Time Non-Certified
$91
$96
$116
Full-Time Certified
$131
$140
$177
Full-Time Non-Certified
$131
$140
$177
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$91
$96
$116
Part-Time Non-Certified
$91
$96
$116
Full-Time Certified
$131
$140
$177
Full-Time Non-Certified
$131
$140
$177
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$94
$100
$122
Part-Time Non-Certified
$121
$129
$162
Full-Time Certified
$138
$147
$187
Full-Time Non-Certified
$186
$200
$259
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$121
$129
$162
Part-Time Non-Certified
$161
$173
$223
Full-Time Certified
$186
$201
$261
Full-Time Non-Certified
$259
$280
$369
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$94
$100
$122
Part-Time Non-Certified
$121
$129
$162
Full-Time Certified
$138
$147
$187
Full-Time Non-Certified
$186
$200
$259
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$94
$100
$122
Part-Time Non-Certified
$121
$129
$162
Full-Time Certified
$138
$147
$187
Full-Time Non-Certified
$186
$200
$259
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$94
$100
$122
Part-Time Non-Certified
$121
$129
$162
Full-Time Certified
$138
$147
$187
Full-Time Non-Certified
$186
$200
$259
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$94
$100
$122
Part-Time Non-Certified
$121
$129
$162
Full-Time Certified
$138
$147
$187
Full-Time Non-Certified
$186
$200
$259
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$94
$100
$122
Part-Time Non-Certified
$121
$129
$162
Full-Time Certified
$138
$147
$187
Full-Time Non-Certified
$186
$200
$259
$1MM / Occurance
$1MM Aggregate
$1MM / Occurance
$3MM Aggregate
$2MM / Occurance
$4MM Aggregate
Part-Time Certified
$113
$120
$150
Part-Time Non-Certified
$149
$160
$204
Full-Time Certified
$172
$185
$238
Full-Time Non-Certified
$237
$256
$336

First-Time Applicant FAQs

You’ve worked hard to establish yourself as a fitness professional, but it only takes one incident to put all of that in jeopardy. Protecting yourself and your business with physical therapy liability insurance can help you in the event you are ever sued for injury or damages.

We know physical therapy insurance can be confusing, so we’ve put together a few questions you may have as a first-time applicant.

What is Professional Physical Therapy Liability Insurance?

Professional physical therapy liability insurance, commonly known as E&O (Errors & Omissions), covers the cost of certain legal fees, and settlements that you may face as a result of claims brought against you based on the advice or services you have provided.

What’s at risk?

Time. Regardless of guilt or innocence, legal proceedings can take months, if not years, to settle. A Professional Liability policy will help provide professional support so that you do not have to take time away from running your business to deal with litigation.
Money. Even if you are absolved of any wrongdoing, defense costs can be significant. From discovery to settlement, legal fees may cost thousands, consuming your savings and racking up debt. With Professional Physical Therapy Liability Insurance you can choose a limit that suits your needs to cover these expenses.
Reputation. In the professional landscape, your reputation can mean everything. By securing Professional Physical Therapy Liability Insurance, you’re showing that you take your profession seriously and you stand ready to protect your good name.

Isn’t my employer’s coverage good enough?

Professional Liability coverage provided by employers like health clubs, homes, YMCAs, gyms, private clubs, etc., don’t provide enough insurance protection for you personally if you are defending yourself against a liability claim. Whether you’re employed, self-employed, work full-time or part-time, having your own Physical Therapy Liability Insurance will give you personal protection against financial loss.

Common Insurance Terms

Premium. The amount that you pay on a regular basis to your insurer for your insurance coverage.
Limit. The maximum amount the insurance company will pay under a given policy.
Deductible. Portion of the insured loss (in dollars) paid by the policy holder.

Still have questions about physical therapy malpractice insurance? Contact us at 844.257.4079 or info@IDEAFitInsurance.com.

Frequently Asked Questions

Physical therapy liability insurance protects you if a lawsuit is brought against you for negligent practices. The purpose of a waiver is to warn the client of possible harm. By signing the waiver, clients agree that they understand the potential risk and will take part in the activity anyway. However, the waiver does not keep clients from suing you if they believe you were negligent in your practices and caused them harm.

Physical therapy liability insurance protects you if a lawsuit is brought against you for negligent practices. This particular policy provides coverage for professional liability (negligence claims) and general liability (accidents).

We recommend you verify your coverage under the facility where you train. However, if you are an independent contractor and/or train your own clients in a studio or facility owned by someone else, then you are most likely NOT covered by the professional liability and general liability policy of the facility.

No. Certification is not required to get a quote or purchase a policy.

No. We provide coverage for full-time (more than 6 hours per week), part-time (less than 5 hours per week) trainers and instructors, and students (work only under the supervision of others).

Yes. Your professional liability with general physical therapy liability insurance policy will follow you regardless of the facility or location you work. However, this policy only covers individuals within the United States.

Additional insured status provides physical therapy insurance coverage to added parties on your professional liability with general liability policy. They enjoy protection from any risk that arises out of the original-named insured's conduct or operations. You can typically add Additional Insureds to your coverage if you are required by contract to do so. To add an Additional Insured, contact us at 844.257.4079 or info@IDEAFitInsurance.com.

No. Professional physical therapy liability insurance provides coverage for claims brought against you. It does not provide coverage for you in the event of an injury to yourself.

There is no exclusion for online training with this policy; however, we recommend you review the Physical Presence Exclusion within the policy.

No. This policy only provides coverage within the United States.

Yes. Your professional liability with general liability policy will follow you regardless of the facility or location you work.

You will receive your certificate of insurance by email once you complete the purchase of your policy through the online application.

Your physical therapy malpractice insurance policy includes a 1-year Basic membership to IDEA Health & Fitness Association at a deeply discounted rate, the world’s leading resource for fitness pros. Membership includes: exclusive discounts to top brands, client success tools, research-based professional content and much more!

You may cancel your policy by providing written notice to info@IDEAFitInsurance.com. Check the cancellation provisions prior to purchasing coverage or contact us for more information.

About IDEA Insurance

We’ve partnered with Lockton Affinity to meet the dynamic, specialized needs of physical therapy insurance. Lockton Affinity is part of Lockton Companies, the world’s largest privately held, independent insurance broker. With 30 years of serving fitness professionals, Lockton Companies is one of the most respected and experienced insurance brokerage firms in the country, using its leverage as a global broker to provide the most competitive pricing. In 2016, JD Power & Associates named Lockton Companies the highest performing insurance broker.

As the world’s leading resource for fitness pros since 1982, we know access to affordable physical therapy insurance is just one of many things that you need to keep your business thriving, so we’ve included a 1-year Basic IDEA membership with your policy at a deeply discounted rate.

IDEA membership gives you the professional tools you need to grow your business, including:

  • IDEA Fitness Journal
    Get 10 issues of this award-winning, research-based publication delivered to your door
  • Client Success Tools
    IDEAfit TV, Facebook Auto Poster and Professional Forms & templates
  • Member Perks
    Access 100+ exclusive discounts to top industry brands
  • And More!

Questions about the IDEA membership included with your physical therapy insurance? Contact our Inspired Service Team at 800.999.4332, ext. 7 or member@ideafit.com.

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Physical therapy malpractice insurance will help to protect your business

Get a quote and purchase physical therapy insurance coverage online within minutes.

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“IDEA has provided us with excellent insurance coverage for over 12 years.
As we have expanded our operations, they have met all our insurance needs.”

Victor Brick, Co-Founder of Brick Bodies Fitness Services

Questions?

Contact us at 844.257.4079 or info@IDEAFitInsurance.com