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Industry Expertise

Physical Therapy & Rehab Practices

Insurance built for physical therapy and rehab practices. We arrange professional liability, premises risk, and equipment coverage for PT clinics and rehabilitation providers across California — placed through specialty markets that understand your work.

Coverage to Consider Schedule Consultation

What this covers and why it matters

Coverage details vary by carrier and situation — a licensed advisor will walk you through exactly what applies to you.

Recommended coverage stack (educational)

Typical discussion points include professional liability, general liability, property, cyber, workers' comp, and inland marine/equipment and management liability as needed.

Key industry risk considerations

A licensed review will usually focus on hands-on treatment, aides, multiple providers, equipment and high patient throughput, and location and staffing consistency.

Coverages for this industry

The coverages most relevant to Physical Therapy & Rehab Practices, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core

Medical Malpractice Insurance

Professional liability for treatment and worsening-injury claims.

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Core

General Liability Insurance

Patient falls and visitor injury on the premises.

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Core

Commercial Property Insurance

Rehab equipment and office contents.

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Recommended

Cyber Liability Insurance

PHI / HIPAA breach response.

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Core Often required

Workers' Compensation Insurance

Required for aides, assistants, and staff.

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Recommended

Employment Practices Liability Insurance (EPLI)

Employment-practices claims.

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Situational

Abuse Molestation

Abuse / molestation and boundary-violation defense where appropriate.

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Situational

Commercial Auto Insurance

If clinicians provide home or off-site treatment.

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Have an advisor review the whole stack →

Common Questions