Who This Is For
Designed for outpatient physical therapy clinics, occupational therapy practices, and sports rehabilitation providers. Whether your clinic runs a full therapy gym with exercise equipment, offers home-visit PT, or includes aquatic therapy, this page covers the business insurance considerations specific to hands-on rehabilitation work.
Coverage Options for Physical Therapist
PT clinics are a preferred Travelers class. Home visit PT and aquatic therapy should be disclosed, as they can affect underwriting and pricing.
Business Owners Policy
Bundles general liability and commercial property into a single, typically lower-cost policy that covers most day-to-day risks for the practice.
Professional Liability
Covers claims of negligence, errors, or omissions connected to the clinical services or advice you provide to patients.
General Liability
Protects against third-party claims of bodily injury or property damage — for example, a patient or visitor hurt in your office or waiting room.
Workers Compensation
Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.
Cyber
Covers costs from a data breach, ransomware attack, or other cyber incident affecting patient records, scheduling systems, or payment data.
Commercial Property
Covers your office, equipment, and business personal property against fire, theft, water damage, and other covered perils.
Business Income
Replaces lost revenue and covers continuing expenses if a covered property loss forces you to temporarily close.
Equipment Breakdown
Covers the mechanical or electrical failure of diagnostic, treatment, or imaging equipment — often excluded from standard property coverage.
Real-Life Claim Scenarios for Physical Therapist
Patient Falls During an Exercise Session
A patient loses balance on a balance board during a supervised exercise and suffers a wrist fracture, prompting a claim against the clinic.
General LiabilityTherapy Equipment Damaged or Stolen
An overnight break-in results in the theft of portable ultrasound and e-stim units from a locked storage closet.
Commercial PropertyEmployee Injured Assisting a Patient
A therapist strains a shoulder while helping a patient transfer from a wheelchair to a treatment table.
Workers CompensationClinic Closes After Property Damage
A roof leak damages the therapy gym floor and equipment, forcing a two-week closure for repairs.
Business IncomeScheduling Data Compromised
Patient data is exposed after a vendor's online scheduling platform used by the clinic is breached.
Cyber
Common Insurance Requirements
What Affects Cost
These are the main factors Travelers underwriters typically review when pricing this class:
- Services offered (outpatient, home visits, aquatic therapy)
- Number of therapists and support staff
- Annual revenue
- Location and clinic square footage
- Claims history
- Value of exercise, modality, and pool equipment
- Volume of patient data stored electronically
- Vehicles used for home-visit therapy
Frequently Asked Questions
Related Healthcare Classes
Get a Physical Therapist Insurance Quote
Tell us about your practice and Casurance can help you review Travelers coverage options for physical therapist.
Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage or medical/legal advice.
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