Physiotherapist - American Professional Agency

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Comprehensive coverage to protect your career

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Created specifically for Physiotherapists, our insurance program provides the comprehensive coverage needed to protect your practice and career. Whether you're employed, self-employed, or running your own clinic, our tailored plans are designed to meet your individual needs. Our commitment to customer service is unwavering and personalized to your individual needs. You’ll always have access to attentive, expert support, so you never have to worry about the details. We’re here for you—offering exceptional service, valuable discounts, and peace of mind, every step of the way. NOTE: We do not currently write policies for Physiotherapists in Louisiana or Washington.

Coverage Overview

35% Discount for Part Time Work

Exclusive Rates for W-2 Employed Practitioners

Lower Policy Premium for Students

NOTE: Discounts are available based upon qualifications and approval, and are subject to state regulations

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Protections for critical risks, including Information Privacy, Disciplinary Proceedings, and Lost Earnings, help safeguard against unique challenges in healthcare.

The occurrence-based policy form provides long-term protection, covering claims that may arise even after the policy has expired, adding security for allied health professionals.

Part-time rates, exclusively employed rates, and blanket coverage for groups so it's easy and affordable to tailor the insurance to fit specific needs and employment types.

Optional premises liability coverage, with a sublimit for fire damage, protects against on-site incidents, adding a crucial layer of security for professionals working directly with clients.

Additional Benefits

Your policy covers you for your online virtual practice in all the states you are legally allowed to practice

Our experts answer your coverage and billing questions. Call, email, or chat with us.

Additional Resources

Renewal applications may vary by state and coverage may not be available in all states. Some renewals may require more than a single form. Please read descriptions carefully. You may have the ability renew your application by logging in to your account.

Allied Health - Renewal Application (All states except for CA, FL, MA, ME, MD, TX)

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Allied Health - Renewal Application (CA)

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Allied Health - Renewal Application (FL)

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Allied Health - Renewal Application (MA)

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Allied Health - Renewal Application (MD)

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Allied Health - Renewal Application (ME)

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Allied Health - Renewal Application (TX)

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The following are valid with effective dates After 4/1/2022

Occurrence Policy Contract (All states except CA, MA, PA, RI)

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Occurrence Policy Contract (PA)

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Occurrence Policy Contract (CA & MA)

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Occurrence Policy Contract (RI)

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Important forms and information

Additional Insured Request

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Professional Liability Coverage

Occurrence Policy Form.
Limits of Liability: $1,000,000/$3,000,000.

Supplemental Coverages / Limits

Information Privacy Wrongful Acts: $25,000 aggregate limit of liability.
Disciplinary-Proceedings: $25,000 aggregate limit of liability.
Lost Earnings: $1,000 per day, with an aggregate limit of liability of $35,000.
Medical Payments:$25,000 per occurrence with a $100,000 aggregate limit.
Emergency Aid Expenses: $10,000 aggregate limit.
Damage to Property of Patients: $10,000 aggregate limit.
Deposition or Subpoena Proceedings:$25,000 aggregate limit..
Medical Expenses for Assault and Battery: $25,000 aggregate limit.

Premise Liability

Coverage is available for an additional premium for those accounts that qualify.
Limits of Liability: up to $1,000,000/$3,000,000 with a $150,000 aggregate Fire Damage Legal Liability sublimit.

Additional Features

Part-time coverage rate available for those practicing an average of 24 hours or less per week, W2 employment hours may be excluded.
Blanket Coverage for Groups.
Exclusively Employed rate and Student policies are available.
Broad definition of professional services including those, which are reasonable and customary for the profession.

How to Apply for Group and Corporate Coverage

We are experts in corporate and group professional liability insurance. We understand the complexities of managing a business and offer personalized attention, tailoring your coverage to protect:

Partnership
Professional Corporation (Incorporated as a P.C. or P.A.)
LLC/LLP/PLLC
General Business Corporation

To help facilitate a seamless application process, please prepare the following documents along with your completed PDF application:

Articles of incorporation or certificate of formation
A listing of owners and/or partners indicating the percentage of the business owned by each
A detailed description of the services you offer clients. The letter of services can also include the population you serve; the diagnoses you treat, and the treatment modalities you utilize. If you have a brochure or website, please include that as well.
If you employ any staff, it’s essential to include them on the application. Indicate yourself as the owner and list any W2 employees under question #4, while 1099 contractors should be noted under question #11.

Contact us at 800.421.6694 to learn more about how our Corporate Professional Liability Insurance can support your business and provide the security you deserve.

To obtain a PDF application, click the APPLY NOW button located at the top right of the page.

All Physiotherapist FAQs

Our Professional Liability Insurance does not extend coverage for the practice of dry needling techniques in patient care. While we strive to offer comprehensive protection for Allied Health Practitioners and Mental Health Professionals, certain specialized procedures fall outside the scope of our standard coverage. If you perform or plan to perform dry needling, you should seek additional, specialized coverage. Always verify your scope of practice and insurance coverage before incorporating new techniques into your practice.

Yes, wellness coaches and nutritionists are eligible for coverage under our professional liability insurance policies. American Professional Agency, Inc. understands the unique risks associated with these professions and offers tailored insurance solutions to meet your needs.

Yes, you can. It is as easy as completing a single application while providing the credentials and qualifications of each employee, partner or colleague you would like covered.

Yes, there is a part-time coverage rate available for those who practice an average of 24 hours or fewer per week.

Yes, your professional liability insurance is designed to defend and indemnify you from claims alleging improper training techniques or negligence. Whether it's a claim of injury due to incorrect form instruction or a failure to meet client expectations, your policy at American Professional Agency will help protect your career and personal assets.

Access Resources for Allied Health Professionals

Risk Management Resources

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2025 American Professional Agency, Inc.

Any information related to costs, premiums, or coverage provided before receiving an official customer quote from American Professional Agency, Inc. is merely an estimate and not guaranteed. Actual cost, premium, and coverage are dependent upon various unique factors associated with each individual risk. Customer quotes are contingent upon the information supplied and are subject to underwriting and rating evaluations. Until a formal quote is issued, all content on the website, email communications, or in advertisements should be viewed solely as examples for informational purposes, lacking any offer or guarantee of premium or coverage. Additionally, the coverage terms and conditions are dictated by the specific policy issued, and any explanatory information provided does not in any way alter the terms of the policy or confirm the existence of coverage.

2025 American Professional Agency, Inc.