Physical Therapy Insurance Coverage Checklist
The coverages a physical therapy business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for physical therapy practices. Priorities reflect typical exposure; confirm against dry needling and modalities.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability | Covers treatment claims — confirm dry needling is covered and not excluded. | Core | |
| Commercial General Liability | Covers premises injuries to patients and visitors. | Core | |
| Abuse & Molestation | Covers misconduct allegations — often excluded from professional liability. | Prevalent | |
| Cyber Liability | Covers patient-data breaches and ransomware. | Prevalent | |
| Business Owners Policy / Property | Covers the clinic and equipment. | Prevalent | |
| Workers' Compensation | Required in most states. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is dry-needling coverage. Some PT policies exclude or limit dry needling, and a collapsed lung from needling over the chest is described as essentially indefensible — while the procedure isn't allowed for PTs in every state. Practices should confirm needling is covered and legal in their state, set written thorax protocols, and name pneumothorax in consent.
Send us the checklist and we'll review your physical therapy coverage line by line, then market it across multiple carriers that compete for your account.
Related: Physical Therapy Insurance · Physical Therapy Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a physical therapy business need?
The core coverages for a physical therapy business are Professional Liability, Commercial General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my physical therapy coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.