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Improving lives by optimizing movement and function – it’s what you do best. But, things happen. Physical therapists can get sued – either as an individual or in a group claim involving the doctors, nurses, and therapists who were working with one patient. Ultimately, you want to protect yourself, your business, and your career. With medical malpractice insurance in place (also known as “professional liability insurance”), you’ll get a team to protect your best interests and insurance for the expenses that result from your defense and any damages that need to be paid.
Here are some noteworthy features of our physical therapy malpractice insurance:
Physical therapy malpractice insurance starts at about $158/year for a supplemental policy and about $451/year for a primary policy. (Keep in mind that these prices are for occurrence poicies with insurance limits of $1 million/$3 million.) The final cost depends on a number of factors, including — but not limited to — how much coverage you want, where you practice, and your experience, education, and time spent on the job.
The best way to get an accurate idea of what your policy would cost is by filling out our quick online application to get a quote. The process takes a couple minutes, and — if you choose to purchase — your policy can go into effect any day you’d like, including today.
Yes, your work as a personal trainer is covered, as long as it’s within the scope of your services as a PT. Check out our personal trainer liability insurance page to learn more.
If you want coverage as a personal trainer outside of your work as a PT, call us at 833.24.BERXI (833.242.3794) and one of our product specialists can help you.
If you work as physical therapist, medical malpractice coverage insures you against claims of negligence or of making a mistake that caused bodily harm to another. This includes providing you with a lawyer to defend yourself and the funds you can use to pay judgments or settlements.
AMOUNT COVERED:
Typical limits of liability range from $500,000 per claim/$1 million aggregate to $2 million per claim/$6 million aggregate
If a claim is filed against you, we’ll retain a lawyer for you from our network of defense attorneys specializing in medical malpractice. We’ll also pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs).
Note that these defense costs are outside the limits of your insurance. This means that their services don’t cut into the settlement fees you may need to pay after a ruling.
AMOUNT COVERED:
Provided in addition to your policy’s limits of insurance
We work with your defense attorney to reach the best possible outcome for you. We won’t settle a claim without your approval.
Your policy applies on a worldwide basis, as long as a claim is brought against you in the United States (which includes any U.S. territories or possessions).
If you provide professional care to someone who is not your patient in a first aid or emergency situation, and that person files a claim against you, your policy would still apply.
If a claim alleges that you violated privacy rules in connection with private health information, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including relevant HIPAA fines.
AMOUNT COVERED:
$25,000 per policy period
If the professional licensing authority is investigating matters related to your professional conduct, our policy provides you with legal defense.
AMOUNT COVERED:
$25,000 limit per policy period
If we ask you to attend litigation activities (e.g., a deposition), our policy will reimburse you for actual lost wages and any necessary expenses you incur (e.g., travel, meals).
AMOUNT COVERED:
Up to $1,000 per day
If you face a threat to your professional reputation, we can provide you with a crisis management/public relations consultant to help clear your name.
AMOUNT COVERED:
$50,000 per claim
The policy applies if someone files a claim against you alleging that your premises or operations caused them bodily injury or harm.
AMOUNT COVERED:
$1 million occurrence/$1 million aggregate
If you’re audited by either Medicare or Medicaid, we offer reimbursement for related accountant or attorney costs that result from the investigation or defense of the audit proceedings.
AMOUNT COVERED:
$30,000 for a covered audit and related expenses
We’re working to create a simpler, faster, and better insurance experience for our customers, and we think we’re the right choice for physical therapists. But, we also know that this is a really important decision, so we want to make sure you have all the information you need. Here are a few things that set us apart from other insurance companies.
You could say that we’ve got the best of both worlds: while we’re as flexible as a start-up, we also have the financial stability to make sure we’re around for the long term.
This means that we’re not just the people who sell you an insurance policy – we’re also the people who are responsible for handling your claim. There’s no one in the middle; it’s just us and you. Plus, working directly with us eliminates fees that are typical in insurance transactions. In fact, our customers typically save an average of 20% – and, in some cases, even more.
You can go onto our website to get a quote, buy a policy, and download your certificate of insurance – all in the exact same day. And if you ever need to file a claim, you can also do that digitally, too.
When you call our support line, you won’t have to navigate through an endless phone tree or argue with a robot: You’ll reach a real-life human being who’ll work hard to answer all your questions. Being a customer-first company is part of our mission — and we have a great reputation for it.
"We started Berxi because we believe that we can make insurance better, faster, and more affordable by offering you a direct connection with an insurance company that cares about your needs. That means that you buy directly from us and you talk directly to us. We know you expect fast, seamless results from a company that really understands you — and that emphasis on technology, compassion, and customer satisfaction is all built into the Berxi mission."
Take a few minutes and see for yourself.
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