Physical Therapist Malpractice Insurance

Protect your career and reputation completely.

Cinch™ offers industry-leading medical malpractice insurance with the speed and ease that you’ve come to expect from modern, technology-focused companies. The efficiency we’ve built into the process means lower prices. (On average, we save customers 20%.)* You can get a quick quote and buy a policy that’s effective today, or up to a year in advance. And since Cinch is part of Berkshire Hathaway Specialty Insurance (BHSI), you can feel secure in knowing that you’re partnering with a company that’s focused on the long term.

Why Should I Choose Cinch for My Medical Malpractice Insurance?

At Cinch, we’re working to create a better insurance experience by offering affordable coverage and outstanding service. Here are a few things that set us apart:

  • Financial Stability: BHSI is part of Berkshire Hathaway’s National Indemnity group of insurance companies, consisting of National Indemnity and its affiliates, which hold financial strength ratings of A++ from AM Best and AA+ from Standard & Poor’s.
  • Industry-Leading Claims Support: With a nationwide network of experienced claims handlers, our team will be right there to help you navigate the process if a claim is ever filed against you.
  • Competitive Pricing: Buying direct from us can save customers as much as 20%—and, in some cases, even more.*
  • Simplified Experience: We’ve created a modern and intuitive digital insurance experience. You’ll get your policy documents as soon as you purchase, and you’ll be able to access your online account 24 / 7. We also aim to cut the jargon and talk to you like the smart, professional HUMAN that you are.

Why Do Physical Therapists Need Malpractice Insurance?

Things happen. Mistakes may get made, or a patient (or their family) may simply want justification for something that didn’t go as expected. A PT could be singled out as the one to blame, or a claim could be filed against an entire medical team. Ultimately, you want to protect yourself and your career. With medical liability insurance in place, you’ll get a team to fight for your best interests and protect you from the expenses of litigation.

My Hospital/Practice Offers Its Employees Med Mal Coverage. Do I Need More?

You should consider having your own insurance policy to protect your interests. Even if your employer provides coverage, here are some important things to consider:

  • A fellow employee could submit a claim against you. Your company’s policy may exclude coverage for claims of one employee against another employee.
  • If you’ve changed jobs and a claim is filed against you for actions while you were with your previous employer, your prior company’s policy may no longer cover you.
  • Your employer’s policy may not cover your lost wages that accrue while you attend legal proceedings.
  • If a number of employees are named in the same claim, your employer’s policy may not have adequate limits to protect you and your fellow employees.

Having your own policy can help you feel more comfortable if a claim is filed against you. With your own policy, you’ll have access to your own legal representation, and the resources of the policy aren’t shared among multiple insureds.

How Much Would a Physical Therapist Medical Malpractice Policy Cost?

Cinch medical malpractice policies for PTs start at $150 a year. 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 receive a quote. The process takes a minute or two, and—if you choose to purchase—your policy can go into effect any day you’d like, including today.

Do You Include Coverage for My Work as a Personal Trainer?

Yes, your work as a personal trainer is covered, as long as it is within the scope of your services as a PT. If you want coverage as a personal trainer outside of your work as a PT, call us at 844-716-8418 and an advisor can help you.**

We started Cinch 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 Cinch mission.
Adam Yasan VP, Cinch

What’s Covered Under Cinch Professional Liability – Healthcare

Industry Coverage

Medical Malpractice Coverage
Defense Counsel
Worldwide Coverage
Good Samaritan Coverage
Sexual Misconduct/Abuse

Automatic Coverage Extensions

Information Privacy Coverage (HIPAA)
License Protection
Defendant Expense Benefit/Deposition Representation
Reputation Coverage

Additional A La Carte Coverage

Business/General Liability Coverage
Medicare/Medicaid Reimbursement Endorsement

* “20% savings” is based on industry pricing averages.

** Quote and issuance of a policy are conditioned upon receipt and approval of the following 1) Practice Location; 2) Profession / Specialty; 3) Employment Status; 4) Coverage Type; 5) Hours Worked; and 7) Prior Claims Activity. Final pricing and terms of coverage may vary.

*** Terms, pricing, and coverage may vary.