Physical Therapy Insurance — Coverage, Cost & Requirements
Malpractice and BOP for physical therapists, sports rehab, and occupational therapy practices.
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What Coverage Does Physical Therapy Insurance Include?
Most physical therapy businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
Professional Liability
Professional Liability coverage tailored for physical therapy businesses.
BOP
Business Owners Policy bundles general liability + commercial property at a discounted rate. Ideal for small businesses.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Cyber Liability
Covers data breach response, ransomware, notification costs, and cyber liability.
How Much Does Physical Therapy Insurance Cost?
The cost of physical therapy insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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