PM Healthcare Protect©: Physical Therapy Insurance
PM Healthcare Protect offers insurance solutions created specifically for physical therapists and therapy providers. Our coverage is designed to help protect your professional license, your business, and your financial stability from the risks you face as a provider. Explore coverage options and see how PM Healthcare Protect safeguards your business.
Professional Liability Insurance for Physical Therapists
Professional liability insurance, or physical therapy malpractice insurance, helps protect your career, license, and livelihood if a claim is made against your professional services. Whether related to treatment decisions, patient injuries, or alleged errors, even well-managed care can lead to unexpected legal challenges.
PM Healthcare Protect policies are developed around the realities of therapy services, offering flexible options that reflect how therapists work today, including:
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Protection for individuals and organizations: Coverage can extend to therapists as well as the practice entity
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Automatic coverage for new employees: Temporary protection for newly hired staff (up to 30 days) to offer continuous coverage during onboarding and eligibility periods
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Good Samaritan protection: Covers emergency care situations outside of normal practice
Policies are structured to support ongoing protection, including options that help maintain continuity of coverage when transitioning from another carrier.
What's Included in Therapy Services Professional Liability Insurance?
The hands-on nature and individualized treatment plans of therapy services expose providers to a range of risks. PM Healthcare Protect coverage is structured to help address these challenges and respond to claims tied to patient care.
Coverage features may include:
- Defense for licensing board matters and regulatory inquiries
- Coverage for treatment-related incidents and patient injury claims
- Financial protection for medical expenses resulting from covered events
- Privacy and data-related protections, including HIPAA exposures
Beyond clinical settings, PM Healthcare Protect policies extend coverage to wherever you practice, such as:
- Instruction, training, and continuing education activities
- Volunteer and community-based services
- Participation in professional activities such as expert witness work
For more information on products and coverage, contact your insurance agent.
Commercial Insurance for Physical Therapy Businesses
Running a successful therapy practice means managing more than patient care. You’re also responsible for your facility, equipment, staff, and everyday business needs. Commercial insurance helps protect against the everyday risks that fall outside professional services.
PM Healthcare Protect offers coverage options that help support the operational side of your practice, so your business continues running smoothly when the unexpected happens.
General Liability and Commercial Property Insurance
General liability and property coverage form the foundation of business protection for therapy practices:
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General liability insurance: Helps cover claims involving non-treatment injuries on your premises or other routine business risks
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Commercial property insurance: Helps protect your physical clinic space (if owned), therapy equipment, and business assets from damage or loss
These coverages can be bundled or packaged together into one convenient insurance plan to make managing your commercial insurance easy. Our experienced team of underwriters will evaluate your business to determine which policy options fit your business size and model.
Additional Coverage Options
PM Healthcare Protect offers a range of optional coverages to help you enhance your insurance coverage, such as:
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Sexual misconduct and physical abuse: Coverage to help cover the cost of claims related to wrongful acts involving sexual misconduct or physical abuse
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Cyber liability insurance: Helps cover the liability cost of data breaches or covered cybercrime
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Employment practices liability: Protection for workplace-related claims involving hiring, termination, or employee management
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Workers compensation coverage: Provides benefits for employees injured on the job and may be required by state law if you have employees
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Commercial auto insurance: Coverage for vehicles used in your business operations
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Commercial umbrella coverage: Adds an extra layer of liability protection beyond primary policies*
*Coverage options subject to availability and eligibility.
Why Choose PM Healthcare Protect?
Audiologists trust PM Healthcare Protect policies because they're designed specifically for healthcare professionals:
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Over 115 years of experience protecting healthcare providers and business owners.
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On-staff, licensed medical professionals who understand the unique risks healthcare professionals like audiologists face—and how to mitigate them.
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Experienced defense counsel and claims staff with fast, reliable claims service.
With PM Healthcare Protect, you gain a trusted partner dedicated to helping protect your practice, your team, and the patients you serve.