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Lockton Companies, Inc.

Insurance Center for Physical Therapists

If you are providing physical therapy services, you need your own professional liability insurance coverage.


Lawsuits are brought against physical therapists every day. At that critical moment, nothing in the world is more reassuring than having your own coverage. This professional liability insurance program, endorsed by the American Physical Therapy Organization, is designed to protect physical therapists in the event of a claim.

Whether you’re employed, self-employed, work full-time or part-time, or are a student practicing under supervision, having your own professional liability coverage will help you defend yourself.

Benefits for Physical Therapists and Students in Training

  • Take advantage of the group purchasing power and competitive rates
  • Insurance coverage is provided through a master policy issued to the National Professional Purchasing Group Association in which you apply for membership at the same time you purchase the coverage
  • Certificates of insurance are issued from a financially secure carrier, uniquely designed to meet the needs of physical therapists
  • Affordable coverage that guarantees substantial protection (Limits up to $2 million per occurrence and $4 million annual aggregate)
  • Supplemental liability coverage
  Apply for health insurance.

Coverage is provided through the master policy issued to the National Professional Purchasing Group Association, utilizing a carrier rated “Excellent” by A.M. Best.

Discover how affordable your own, top-quality professional liability coverage can be. Receive a fast, free, online quote today.

Insurance coverage is available for individuals and businesses.

APTO offers physical therapist liability insurance, which includes Physical Therapist professional liability insurance, Personal Trainer professional liability insurance, Athletic Trainer professional liability insurance and student professional liability insurance to Physical Therapists, Personal and Athletic Trainers throughout the United States. This professional liability insurance is offered through a carrier rated “Excellent” by A.M. Best, and is endorsed by the American Physical Therapy Organization.

APTO site topics-of-interest: Physical Therapist professional liability insurance, Athletic Trainer professional liability insurance, Personal Trainer professional liability insurance and Physical Therapist malpractice insurance.