The Basics About Legal Liability for Physical Therapists and What Coverage They May Need

Working as a full-time physical therapist can have many perks and financial and emotional rewards, both professional and personal. However, whether you work for a larger company or run your own practice, you may be leaving yourself vulnerable to lawsuits and financial distress without the right insurance in place. Here are the basics you should know about physical therapist professional liability coverage.

Your Facility May Require Special Coverage

You don’t necessarily have to work as an independent therapist to require special coverage. Facilities that cover other niches in health care, including physical therapy, may have an interest in securing liability insurance for the professionals working there. These facilities can include:

  • Therapy centers
  • Hospices
  • Assisted living homes
  • Hospitals
  • Therapeutic medical spas

Search for Broad Coverage Features in Your Health Liability Policy

When choosing your policy, you should take several scenarios into account and pick a policy with broad features. For example, you may want to secure low premiums while also receiving occurrence compensation.

Physical therapy makes a difference in your clients’ lives, but it’s also important to look after yourself and your practice, professionally and financially. Because it’s difficult to predict when a suit will arise, having thorough physical therapist professional liability coverage can provide you everyday peace of mind in multiple scenarios.