How much does professional liability insurance cost?

The cost of malpractice insurance depends on your profession, services, location, coverage needs, and claims history. Requesting a quote is the best way to find accurate pricing.

Does malpractice insurance cover telehealth services?

Telehealth services may be covered, but coverage varies by profession, policy, and location. Be sure to include any telehealth work when requesting a quote.

Do I need an individual policy or a business policy?

An individual policy covers you as a healthcare professional. If you own a practice or have other providers working for your business, you may need a business policy as well.

Do independent contractors need their own malpractice insurance?

An independent contractor may be required by a facility or contract to carry professional liability insurance. Even when coverage is available through another organization, it is important to confirm who is insured, what services are covered, and whether the protection applies to all work being performed.

Am I covered by my employer’s professional liability policy?

Your employer's policy may cover the work you do as part of your job, but it may not cover activities outside your assigned duties. This can include independent work, consulting, volunteering, moonlighting, or telehealth.

Do all healthcare professionals need malpractice insurance?

Requirements vary by exact profession, employer, contract, and state. Even if malpractice insurance isn't required, it can help protect against covered claims related to the care or services you provide.

Is professional liability insurance the same as malpractice insurance?

Malpractice insurance is a type of professional liability insurance designed for healthcare providers. The terms are often used interchangeably, but the exact coverage depends on your profession and policy.

Allied Healthcare Professional Liability Insurance

What You Need to Know About Allied Healthcare Professional Liability & Malpractice Insurance

Healthcare professionals face unique liability risks every day. Whether you're a physical therapist, occupational therapist, pharmacist, audiologist, chiropractor, dietitian, behavioral health provider, or another allied healthcare professional, allegations involving patient care can have serious financial and professional consequences.

Even when you follow accepted standards of care, patients or their families may claim that your professional services, advice, or treatment caused harm.

Leavitt Select helps allied healthcare professionals explore professional liability and malpractice insurance solutions based on their profession, services, and work environment.

Request a Quote or Call: (986) 213-4940

Allied Healthcare Malpractice Insurance for Healthcare Providers

Healthcare professionals work in many different settings, from private practices and rehabilitation clinics to pharmacies, imaging centers, laboratories, schools, healthcare facilities, and mobile healthcare environments.

Your insurance should reflect the services you provide, not simply where you work.

Professional liability insurance, often called malpractice insurance, may help protect healthcare providers from covered claims alleging negligence, errors, omissions, or other professional mistakes arising from patient care.

Common Allied Healthcare Professionals We Help

Leavitt Select works with a wide range of healthcare professionals, including:

Physical Therapists
Occupational Therapists
Speech-Language Pathologists
Audiologists
Pharmacists
Dietitians and Nutrition Professionals
Chiropractors
Optometrists
Behavioral Health Providers
Medical Technicians
Medical Imaging Professionals
Acupuncturists
Massage Therapists
Medical Directors
Healthcare Consultants
Other Allied Healthcare Professionals

Professional Liability Insurance for:

Physical Therapist Malpractice Insurance
Occupational Therapist Liability Insurance
Speech Therapist Malpractice Insurance
Audiologist Professional Liability Insurance
Pharmacist Professional Liability Insurance
Chiropractic Malpractice Insurance
Optometrist Professional Liability Insurance
Dietitian Liability Insurance
Acupuncturist Malpractice Insurance
Massage Therapist Professional Liability Insurance
Behavioral Health Professional Liability Insurance

Don't see your profession listed?

Tell us about the care or services you provide. Our healthcare insurance team can help you explore available coverage options for your profession and scope of practice.

Why Allied Healthcare Professionals Purchase Malpractice Insurance

Many healthcare professionals receive professional liability coverage through an employer, healthcare facility, or group practice. However, employer-sponsored coverage is typically designed to protect the organization and may not extend to every professional activity you perform.

You may want to review your coverage if you:

Work as an independent contractor
Own or operate a private practice
Provide services for multiple organizations
Offer telehealth services
Volunteer in a professional capacity
Provide consulting services
Work part-time or occasional shifts
Perform services outside your primary position
Practice under an LLC or corporation
Plan to start your own practice
Supervise other healthcare providers

What Professional Liability Insurance May Cover

Professional liability insurance may help respond to covered allegations involving professional healthcare services.

Depending on the policy, coverage may address claims involving:

Alleged professional negligence
Errors or omissions in patient care
Failure to monitor a patient
Failure to refer a patient
Documentation errors
Treatment-related allegations
Advice that allegedly caused harm
Defense costs associated with covered claims
Covered settlements or judgments

Coverage varies by profession, policy form, procedures performed, state requirements, and insurance carrier.

Coverage should always be evaluated based on your actual scope of practice and professional responsibilities.

Coverage for Your Practice, Not Just Your Profession

If you own a practice or operate through an LLC, corporation, or other business entity, individual malpractice insurance may not address every exposure associated with your business operations.

Depending on eligibility and operational needs, your insurance program may include:

Professional Liability Insurance: May help protect against covered claims arising from professional healthcare services.
General Liability Insurance: May help respond to covered claims involving bodily injury, property damage, or incidents unrelated to professional treatment.
Business Property Insurance: May help protect eligible office equipment, furnishings, supplies, and other business property.
Cyber Liability Insurance: May help your practice respond to cyberattacks, data breaches, ransomware events, and privacy incidents involving patient information.
Employment Practices Liability Insurance (EPLI): May provide protection against certain employment-related allegations involving employees.
Workers Compensation Insurance: May provide required benefits for covered work-related injuries or illnesses.
Commercial Auto Insurance: May be appropriate if your practice owns vehicles or employees drive as part of business operations.
Umbrella Insurance: May provide additional liability limits above certain underlying insurance policies.

Coverage That Reflects How You Practice

A physical therapist who owns a rehabilitation clinic may have different insurance needs than a self-employed dietitian, employed audiologist, mobile healthcare provider, or consulting pharmacist. When reviewing coverage options, we take into account:

Your profession and credentials
Services you provide
Procedures you perform
Scope of practice
Work environment
Employment status
Business ownership structure
Supervisory responsibilities
Number of employees
States where you practice
Prior insurance coverage
Claims history
Telehealth services
Mobile healthcare services

Healthcare Professionals We Frequently Assist

We regularly help healthcare providers evaluate malpractice insurance and professional liability coverage, including:

Physical therapists
Occupational therapists
Speech-language pathologists
Audiologists
Pharmacists
Chiropractors
Dietitians
Behavioral health providers
Medical imaging professionals
Healthcare consultants
Acupuncturists
Massage therapists

Our goal is to help healthcare professionals understand available coverage options and select protection that reflects how they actually practice.

Why Work with Leavitt Select?

Insurance companies often classify healthcare professions differently, which can make it difficult to identify appropriate coverage. Leavitt Select simplifies the process by helping you evaluate:

Your specific profession
Scope of services
Practice structure
Existing coverage
Coverage requirements
Available insurance options

We take the time to understand how you practice so you can make informed coverage decisions.

Getting Started Is Simple

Tell Us About Your Work. Complete a short form with your contact information, profession, location, and a brief description of the services you provide.
Review Your Options. A member of our healthcare insurance team will gather any additional information needed and help you evaluate available coverage.
Choose the Right Fit. Select the coverage that fits your current work, business structure, and future plans.