Physical Therapy Insurance in Washington
Get the right coverage for your physical therapy business in Washington. Workers' comp is required for 1+ employees. Instant quote. Instant COI. Backed by Munich Re.
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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 for physical therapy businesses in Washington. Requirements and risk factors are specific to the Washington operating environment.
BOP
BOP coverage for physical therapy businesses in Washington. Requirements and risk factors are specific to the Washington operating environment.
Workers Comp
Workers Comp coverage for physical therapy businesses in Washington. Requirements and risk factors are specific to the Washington operating environment.
Cyber Liability
Cyber Liability coverage for physical therapy businesses in Washington. Requirements and risk factors are specific to the Washington operating environment.
How Much Does Physical Therapy Insurance in Washington 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.
Physical Therapy Insurance Requirements in Washington
- ✓Workers' comp required for 1+ employees in Washington
- ✓Minimum general liability: $500,000 per occurrence
- ✓Workers comp through L&I (state fund)
- ✓Contractor registration with WSLCB
- ✓Seattle area has highest construction wages — affects WC costs
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Frequently Asked Questions
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