Tailored Professional Liability insurance for respiratory therapists

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

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The importance of Professional Liability insurance for respiratory therapists

When you’re a respiratory therapist your focus is helping people breathe easy. From the youngest patients to the very old, the variety of applications you use to provide respiratory care is based on science and good clinical technique.

Despite best practices and following strict treatment protocols, your job as a health care professional puts you at risk of a lawsuit.

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

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Pricing for respiratory 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 respiratory 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 respiratory 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 respiratory therapist liability insurance online today.

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Why respiratory therapists need personal coverage

A single claim can cost thousands of dollars, interrupt your ability to continue working, and tarnish your reputation—even if you’re innocent. While you may receive liability coverage through an employer, it likely does not provide adequate protection to defend yourself against a claim.

Whether you practice in a hospital, skilled nursing facility or wellness center, the best protection for an allegation or claim against your services is your own respiratory therapy liability insurance policy.

Lockton Affinity Health’s Professional Liability insurance fully covers you for the risks of your job as a respiratory therapist.

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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 5:30 PM (CST).