What is Physical Therapist Malpractice Insurance?
Physical therapist malpractice insurance, also known as physical therapist liability insurance, is financial protection designed to cover judgements, settlements, along with legal expenses of physical therapists in the case of a malpractice lawsuit. In the event of a malpractice claim, whether the accusation is true or not, physical therapists could be expected to pay large amounts in judgement, settlement or legal fees. The best protection against a financially damaging lawsuit and high legal fees is medical malpractice insurance. As a physical therapist, your employer’s group liability policy may prioritize their interests over yours. Owning your own individual PT professional liability insurance policy, IN YOUR OWN NAME, will protect you, your family and your career, as well as your hard-earned personal assets.
What Risks Do I Face That Warrants Physical Therapist Malpractice Insurance?
Physical therapists work with patients in a variety of ways. Many are responsible for working with or treating patients directly which means that they are at risk of being named in a malpractice suit if something should go wrong. PTs often interact with patients more than any other medical professional in an office setting – so, with that much direct exposure to patients, PTs need to be able to properly perform their duties without the constant fear of potential litigation. PT malpractice insurance is the best way to protect and defend, as well as provide peace of mind, for physical therapists.
Benefits of CM&F Malpractice Insurance Coverage
- Coverage Options up to $2 Million per Claim
- Full Consent to Settle Claims
- License Defense Coverage Included
- Sexual Misconduct Defense Included
- Add Additional Insureds At Anytime
- General Liability Available
- Defense Costs in Addition to Liability Limits
- HIPAA Defense Coverage Included
- Telemedicine/Telehealth Coverage Included
- 24/7 Portable Coverage That Covers You Everywhere You Go, Even in Volunteer, Per Diem or Contracted Work Assignments
Will My PT Malpractice Insurance Cover Telemedicine?
CM&F’s malpractice insurance for physical therapists includes coverage for telemedicine malpractice, so long as you are providing services within your scope of practice according to relevant laws in your state.
With telemedicine becoming more and more prevalent, better understood, and in-demand by patients, CM&F recognizes the importance of telemedicine malpractice insurance. There is no additional cost for telemedicine malpractice coverage. When you purchase a physical therapist malpractice insurance policy from CM&F Group, you will be covered 24/7 no matter where you work or method of patient care delivery – virtual and/or in-person. There is no additional charge for this coverage. If you have any questions, or would like further clarification, please consult your policy details or reach out to us.
Why Buy Physical Therapist Malpractice Insurance Coverage From CM&F?
Thousands of professionals have trusted us with their careers for over a century and it’s easy to understand why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings for financial stability.
For more than 100 years, CM&F Group has been protecting healthcare professionals from potentially damaging lawsuits that arise from malpractice claims. We are committed to protecting the livelihood of PTs across the US. CM&F’s dedicated client service professionals will help you understand the best choices for your situation and ensure that your career is protected by our industry-leading PT malpractice insurance. CM&F is a provider of malpractice insurance for physical therapists that is affordable and tailored to cover your professional risk with coverage options as high as $2 million per claim.
We provide business liability insurance for physical therapy groups, as well as other healthcare groups, so we know first hand that should a claim arise, unless the policy is IN YOUR OWN NAME, your interests could be viewed as secondary to the employer, clinic or office who owns the policy.
Your individual malpractice insurance policy with CM&F is portable, going wherever you go, even when you switch jobs, so you always know that you’re covered.
Find Out Why The Best Physical Therapy Organizations And Thousands of Your Peers Recommend CM&F!
CM&F Means Peace of Mind
CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to healthcare professionals has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital professional insurance coverage with:
- A++ Rated Liability Insurance & 4.8/5 Satisfaction Rating
- Outstanding Customer Service with a Direct Contact Line
- Superior Claims Management
- Fast Automated Application Process – No Paperwork!
- 24/7 Access to Your Personal Online Document Archive