Physical, Occupational, and Speech Therapy

Tailored industry coverage

 

Why purchase tailored coverage?

Certain professions experience specific exposures. Get coverage tailored to meet the needs of Physical, speech and occupational therapy (“PSO”) practices with our Hiscox PROTM suite of products.

Appetite
Capacity
Coverage & Benefits
Appetite

Applies to all types and classes of patients:

  • physical therapy (inpatient or outpatient)
  • occupational therapy (inpatient or outpatient)
  • speech therapy

 

Capacity

$10M capacity on primary or excess basis

Coverage & Benefits
  • Waiver of retention available for PSO therapy facilities following exemplary risk management standards
  • Billing and regulatory errors sublimit
  • Sexual abuse and misconduct sublimit ü HIPAA liability sublimit
  • Reported incident trigger of coverage
  • Product liability exclusions is carved back to provide coverage for claims arising from goods or products used or recommended by the insured in connection with the performance of PSO therapy services
  • Duty to defend

Included as insureds:

  • Medical directors
  • Non-physician employees, independent contractors, students, volunteers (including mid-levels)

Related products

Package Physical, Occupational, and Speech Therapy coverage with the following products: General Liability, Cyber, Crime, and Technology.

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Claims scenarios 

Not sure what risks our product covers? We’ve brought some scenarios to life.

Minor injury during treatment

During an occupational therapy session, a patient is tested for functional capacity with a cable meter. The cable on the equipment snaps cutting the patient’s leg and causing them to fall. The patient sues the therapist to cover out of pocket expenses after visiting an outpatient clinic for care.
 

Minor injury during treatment

During an occupational therapy session, a patient is tested for functional capacity with a cable meter. The cable on the equipment snaps cutting the patient’s leg and causing them to fall. The patient sues the therapist to cover out of pocket expenses after visiting an outpatient clinic for care.
 

Sexual misconduct

Speech therapy services are performed for a minor in their own home. After the session, the young client tells their mom that they think something inappropriate happened while she was out of the room. The mother contacts the agency and accuses the therapist of sexual misconduct and the agency of negligence in screening this individual. 
 

Sexual misconduct

Speech therapy services are performed for a minor in their own home. After the session, the young client tells their mom that they think something inappropriate happened while she was out of the room. The mother contacts the agency and accuses the therapist of sexual misconduct and the agency of negligence in screening this individual. 
 

Regulatory

A physical therapy clinic is accused of a Stark Law violation alleging they have received referrals from a physician that is also a partial owner of the clinic. They are able to claim costs associated with an investigation and appeal of this inquiry under our policy.
 

Regulatory

A physical therapy clinic is accused of a Stark Law violation alleging they have received referrals from a physician that is also a partial owner of the clinic. They are able to claim costs associated with an investigation and appeal of this inquiry under our policy.
 

Severe injury

During a physical therapy session an elderly gentleman falls while performing prescribed exercises under PT supervision. He breaks his hip and has to visit the ER and have emergency surgery. He sues the clinic for damages including pain and suffering.
 

Severe injury

During a physical therapy session an elderly gentleman falls while performing prescribed exercises under PT supervision. He breaks his hip and has to visit the ER and have emergency surgery. He sues the clinic for damages including pain and suffering.