Tailored Professional Liability insurance for physical therapists

Coverage to protect against the specific risks you face as a physical therapist.

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The importance of Professional Liability insurance for physical therapists

You’ve found your calling as a physical therapist. From helping patients with physical disabilities to assisting accident victims with pain relief to helping athletes improve mobility, you’re dedicated to improving the fitness capabilities and overall wellness of your clients. The work you do is highly regarded by physicians, coaches and health-related professional organizations alike.

But did you know that your close work with patients puts you at personal financial risk? Unfortunately, no matter how cautiously you perform your job, the nature of your work puts you at risk for lawsuits. Even your best clients can be encouraged to file a claim against you if they don’t get their desired results.

Lockton Affinity Health’s Professional Liability insurance is tailored exclusively for physical therapists. It covers defense costs and judgments or settlements that result from a claim against you, plus pays you for lost wages while defending a claim.

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Pricing for physical therapist Professional Liability insurance

For a limit of $500,000 occurrence / $500,000 aggregate,
coverage begins at:




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Additional limit options include:
• $1,000,000 occurrence / $1,000,000 aggregate
• $1,000,000 occurrence / $3,000,000 aggregate
• $2,000,000 occurrence /$4,000,000 aggregate

*Before applicable taxes and/or fees

Coverage details for physical therapist Professional Liability insurance

Broad Professional Liability coverage

• Multiple limit options for students, employed and self-employed professionals
• Payment for attorney fees and court costs resulting from damages and claims
• Receive up to $500 per day for loss of earnings due to attendance at trial, hearing, mediation, etc.
• Payment for professional license complaint investigation expenses

General Liability coverage included automatically

• Personal Injury and Advertising Liability coverage
• Medical expenses arising from bodily injury as a result of a covered accident
• Up to $500 per accident for the property of others in your care, custody or control

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Get Professional Liability coverage for physical therapists

Through our fully integrated system, you can get a quote, apply and buy a Professional Liability insurance policy online in a just few minutes. Your coverage begins the day after you apply, or you can choose an effective date in the future to fit your exact needs.

Get your free quote and purchase your physical therapist liability insurance online today.

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Why physical therapists need personal coverage

Whether you are self-employed or employed by a clinic, fitness facility, school or other care group, the best protection against any allegation or claim against your services is your own physical therapy liability insurance policy.

While you may be covered under your employer, that policy may not be enough to protect your personal assets during a suit. Just one claim, justified or not, can take significant time away from your practice, impede your career and cost thousands of dollars to defend in court.

Lockton Affinity Health’s Professional Liability coverage is the smart choice for physical therapists, as it is designed for physical therapists and physical therapy assistants.

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Contact us

If you have any questions about obtaining or servicing your insurance, please call us at (800) 253-5486 or complete this form. Phones are answered Monday through Friday, 7 AM to 6:30 PM (CST).