profession
Healthcare professionals · Professional liability
Professional liability for physical therapists
Malpractice coverage that follows you across employers, side practices, and per-diem work — plus license defense, which employer policies almost never include.
Why it’sdifferent
Why the general market isn’t enough
- Your employer’s policy protects the employer first; limits are shared across every clinician on it.
- License complaints are not malpractice claims, and defending one costs real money.
- Cash-based, mobile, and telehealth practices need coverage that names the practice, not just the person.
Specialty program · comingProfessional liability for healthcare and wellness professionalsA specialty market built for licensed healthcare and wellness professions, with malpractice and license-defense coverage that general business policies leave out.Professional liability for eligible healthcare professions is placed through a specialty program. The Insurance Collective’s operating agency is compensated by the program’s carrier when a policy is issued.
What we’ll ask you- Your license type and states of practice
- Employed, self-employed, or both — and any side practice
- Approximate annual revenue or hours if self-employed
- Any claims or board complaints in the last five years
- Whether you need general liability for a studio or clinic space
Thepackage
Usually packaged together
What physical therapists typically carry.
Nextstep
Get professional liability options built for physical therapists.
Tell us where you practice and how. We’ll show you the program or market that fits before you give us a phone number.