FAQ_category: (HIDDEN) Industry FAQs

Most modern liability policies extend coverage beyond the clinic, including: 

• Telehealth and virtual therapy sessions 

• In-home visits with clients 

• Care in gyms, schools, or rehab centers 

It’s important to confirm your policy includes mobile and digital services to avoid gaps in protection. 

Yes! While employers often carry liability coverage, it’s designed to protect the business first. Personal professional liability insurance is important because it: 

• Covers you individually if named in a lawsuit 

• Fills gaps if employer coverage has exclusions 

• Follows you when you provide services outside of your primary workplace 

On average, physical therapists pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Liability insurance helps protect physical therapists from the risks that come with hands-on care. Coverage often includes: 

• Professional liability – claims of negligence, malpractice, or improper treatment 

• General liability – third-party injuries such as slip-and-falls in your office 

• Legal defense costs – even if a claim is unfounded 

• License protection – support if complaints are filed with your state board 

Yes! Even with proper training and care, risks exist in therapy settings. Professional liability insurance helps protect against: 

• Legal defense costs if a client sues 

• Claims of negligence, misdiagnosis, or improper treatment 

• Alleged breaches of confidentiality 

• Reputation damage tied to client disputes