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Caring for your patients and clients is your passion. Don't let a disciplinary action or malpractice lawsuit jeopardize your career and financial future.
The APTA Insurance Program, powered by HPSO, provides APTA members exclusive benefits for comprehensive professional liability insurance coverage designed for physical therapists and physical therapist assistants, including unlimited defense costs for covered claims, reimbursement for attorney fees to defend your license, and more, subject to the terms, conditions, and exclusions in the policy.
*Please have your APTA member ID ready to receive your quote.
APTA members are eligible for:
- A 10% APTA member discount applied to your professional liability insurance premium as well as a waiver of the $8 purchasing group fee.
- Coverage automatically included for consulting services in your area of expertise and coverage when providing fitness services.
- Reimbursement up to $30,000 for your legal representation arising from a license board matter, one of the highest limits offered in the physical therapy marketplace.
- Savings of up to 29%.
HPSO is a leader in providing malpractice coverage for the physical therapy profession. Now in its third decade, HPSO provides coverage to nearly one in three PTs across the nation.
*Please have your APTA member ID ready to receive your quote.
Not an APTA Member?
APTA membership provides access to benefits and discounts to help you thrive, including significant savings on your professional liability insurance through HPSO. Learn more about the benefits of joining our community, including gaining unlimited access to resources to help you achieve clinical excellence and improve the lives of the patients you serve.
Frequently Asked Questions
As a physical therapy professional, you and your assets may be at risk if you are named in a lawsuit. Professional liability insurance, also referred to as malpractice insurance, provides coverage in the event of a lawsuit, deposition, subpoena request, and/or licensing agency complaint. A policy through HPSO provides coverage for defense attorney fees, court costs, medical damage, settlement costs, and more, subject to the terms, conditions, and exclusions in the policy.
This new product is a proprietary HPSO professional liability insurance offering available only to APTA members who are insured through HPSO on an individual basis. This provides APTA members with significant benefits on professional liability insurance, including:
- A 10% APTA membership discount applied to your professional liability insurance premium as well as a waiver of the $8 purchasing group fee.
- Coverage automatically included for consulting services in your area of expertise and coverage when providing fitness services.
- Reimbursement up to $30,000 for your legal representation arising from a license board matter, one of the highest limits offered in the physical therapy marketplace.
Members could realize savings of up to 29%.
All individual APTA member PTs and PTAs, with a premium of $100 or more, are eligible.
APTA member PTs and PTAs are eligible for a 10% APTA membership discount applied to your HPSO professional liability insurance premium. In addition, HPSO will waive the purchasing group fee of $7. With your APTA membership, you will automatically receive coverage for consulting services and fitness services liability. License protection reimbursement also is provided up to a $30,000 limit.
Yes! HPSO has prioritized telephone numbers dedicated to APTA members, staffed with trained and licensed insurance agents who are knowledgeable and available to service APTA members. Individual Physical Therapists (Employed or Self-Employed), call 800-995-7667 and PT Business Owners, call 215-660-0241.
This member benefit is currently available solely to APTA members who are insured as individuals through HPSO.
Visit hpso.com/apta to get a quote, learn more, and apply. Have your APTA member ID available for confirmation. Once your membership is confirmed, your discounted rate will be displayed in your quote. If you need help finding your membership number, contact APTA Member Success.