Liability Insurance for Physical Therapy Practitioners
As a physical therapy practitioner, you help people build strength, recover mobility, and return to meaningful activities. Your work supports patients at every stage of rehabilitation. Even when you follow best practices, you may still face a malpractice claim, a licensing board complaint, or a disciplinary action.
Individual professional liability insurance protects you if someone alleges an error, omission, or failure to act. Coverage includes legal defense costs and may include settlements or judgments, helping you safeguard your career and your financial stability.
Many practitioners rely only on employer insurance. But those policies protect the organization first. Your own policy ensures your interests come first. With Proliability, you can get affordable coverage tailored to physical therapy practice, with premiums starting as low as $191 for employed practitioners. Coverage is available for employees, self-employed providers, and practice owners.
Read more about our risk management services and coverage details*.
Find more details about the Indiana Patient Compensation Fund here.
Protection When You Need It Most
Professional liability insurance—often called malpractice insurance—steps in when a patient or their family files a claim. This coverage helps protect your license and your financial future. Proliability policies typically include:
- Legal defense costs: A dedicated attorney representing you, with fees paid in addition to your limits.
- Settlements or judgments: Coverage up to your policy limits.
- Licensing board complaints: Coverage for attorney fees if you must defend your license.
- HIPAA violations: Up to $50,000 for fines, penalties, and notification costs.
- Portable coverage: Protection that follows you across roles and employers.
Our goal is simple: you should never manage the stress of a claim alone.
Contact Us
Program Administrator
Proliability
4050 114th Street
Urbandale, IA 50322
Phone
Hours
7:30 a.m. to 5:00 p.m. CT, M-F
General Questions
Service on an existing policy
How to Get Covered
Getting coverage through Proliability is quick and simple.
- Get a Quote: Answer a few short questions to see your personalized rate.
- Apply Online: Most applicants receive instant approval.
- Receive Confirmation: Once approved, you will receive your insurance certificate.
No long waits. No complicated steps. Just dependable protection for the way you practice.
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 phone and 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.
Why Physical Therapy Practitioners Need Malpractice Insurance
Physical therapy practitioners face risks in outpatient clinics, hospitals, rehab centers, athletic settings, long-term care environments, and home-health care. Claims may arise from treatment plans, manual therapy, equipment use, documentation issues, patient falls, or misunderstandings.
Your employer’s insurance may not be enough. Your own policy protects your license, reputation, and financial future.
Employer Coverage vs. Individual Coverage Comparison
Many Occupational Therapy Practitioners are surprised by how limited their employer’s coverage is. Here’s a quick comparison:
| Coverage Feature | Typical Employer Policy | Proliability Individual Policy |
|---|---|---|
| Legal defense attorney | Shared or employer-selected | Your own dedicated attorney |
| Covers board complaints | Rarely | Yes, up to $100,000 |
| Follows you job-to-job | No | Yes, fully portable |
| Covers moonlight and PRN | Often excluded | Yes, fully portable |
| HIPAA fines & penalties | Often not included | Up to $50,000 |
| Defense costs erode limits | Often yes | Paid in addition to limits |
Coverage Details
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 — $50,000
Pays up to $50,000 for HIPAA fines, penalties and notification costs.
Licensing Board Reimbursement — $25,000 per incident/$100,000 per policy period
Covers up to $25,000 per incident/$100,000 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 — $15,000 per policy period
Covers up to $15,000 aggregate for all reasonable fees, costs and expenses to represent you at a deposition which you are required to attend.
Wage Loss and Expense — $2,500 per day/$35,000 per 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 — $25,000 per policy period*
Covers up to $25,000 per policy for all medical related expenses for rendering first aid to others due to bodily injury.
* Coverage amounts may vary by business type
Medical Payments — $25,000 per person/$100,000 all persons
Covers up to $25,000 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 — $25,000 per policy period
Covers up to $25,000 per policy period for medical expenses or repair or replacement of personal property due to an assault at your workplace premises. Includes coverage for workplace violence events.
Media Expense Coverage - $2,500 per incident/ $10,000 per policy period
Up to $2,500 per incident/ $10,000 per policy period (Individual) or $5,000 per incident/$25,000 per policy period (Group Practice) for expenses incurred for claims involving published material on a website or social media.
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
Professional liability insurance policy is underwritten by Liberty Insurance Underwriters Inc., 175 Berkeley St., Boston, MA 02116.
*This is only a summary of insurance policy provisions offered in the program. Certain coverage benefits described herein may not be available in your state at the time of policy issuance, or may be available, but with differing terms and conditions. If any conflict exists between the benefits described herein and those contained in any actual policy issued, the terms and conditions of the issued policy prevail. Coverage is only bound upon underwriting acceptance. Applying and paying for coverage is not a guarantee of acceptance into the program.
Protect Your Career Today
Proliability makes it easy to apply for or renew coverage designed for athletic training practice settings.
New to Proliability? You can get a quote to see your personalized rate.
Already insured? You can renew online in minutes and avoid a lapse in coverage.
