You help people get better.
We protect what you've built.
One patient injury, one unexpected complication, one lawsuit — and suddenly your practice is the one that needs help.
Made For You
You focus on recovery. We'll focus on the risks.
You help people move again. Speak again. Regain their independence. Get back to living.
That’s important work. And it comes with real responsibility.
Whether you’re a physical therapist, occupational therapist, speech therapist, massage therapist, or run an outpatient rehabilitation center, even the best professionals can face a claim.
One patient falls during treatment. One exercise makes an injury worse. One complaint puts your professional license under scrutiny.
We help protect your career, your practice, and everything you’ve worked so hard to build.
No cookie-cutter policies. No insurance jargon. Just smart protection built around what you actually do.
Who We Help
- Physical Therapists & Physical Therapy Assistants
- Occupational Therapists
- Speech-Language Pathologists & Therapists
- Massage Therapists
- Outpatient Rehabilitation Centers
- Sports Rehabilitation & Athletic Therapy Providers
- Aquatic Therapy Providers
- Multidisciplinary Therapy Practices
Specialized services such as dry needling, acupuncture, spinal manipulation, and wellness programs may require additional underwriting and carrier approval.
Coverage Options
Professional Liability (Malpractice)
For covered claims alleging mistakes, negligence, or injuries arising from your professional services.
General Liability
For covered third-party bodily injury and property damage claims outside your professional treatment services.
Professional License Defense
Available protection for certain licensing board complaints and disciplinary proceedings, depending on policy terms.
Physical & Sexual Abuse Liability
Coverage options for eligible claims involving allegations of abuse or misconduct, subject to underwriting and exclusions.
Cyber Liability & Data Breach
Help protect your practice against covered cyber incidents, patient data breaches, and related expenses.
Business Owners Policy (BOP)
Protection for eligible business property and general liability exposures, with optional business income coverage.
Workers' Compensation
Coverage for work-related employee injuries and illnesses, subject to applicable state requirements.
Hired & Non-Owned Auto Liability
For eligible business liability exposures involving vehicles your practice rents or uses but doesn't own.
Because helping patients recover shouldn’t mean putting your own future at risk.
It is easy to start
Therapy and rehabilitation insurance without the runaround. Fast quotes, knowledgeable brokers, and coverage designed around your services, your staff, and how you actually operate.
Talk to an Expert
No bots. No call centers. Just people who know your industry inside out. We’ll review your operations and goals, then tailor coverage around your firm — built to fit, not forced to fit.
469-777-3025
Give us a call
Smart, Not Standard
We dig into 50+ carriers, find the hidden gaps, and negotiate smarter terms. Because “comparable” coverage often isn’t comparable at all.
50+
Representing 50+ insurance carriers
Coverage That Fits
We help businesses save an average of 10–20%, but the real win is reliability—coverage that performs when it’s needed, not just when it’s sold.
10%-20%
We save firms upwards of 10-20%
WHY US
Why Therapy Professionals Choose PIE
Because not every patient injury is malpractice. And not every insurance policy covers the same treatments.
What happens if a patient falls during therapy? If an exercise aggravates an existing injury? If someone files a complaint against your license?
What if you treat children? Work with collegiate athletes? Offer aquatic therapy or dry needling? Hire independent contractors?
And here’s the bigger question: Does your policy actually cover all the services you’re providing?
That’s where the details matter.
Two policies can have the same $1 million limit and completely different exclusions. One may cover your core therapy services but require special approval for additional treatments. Another may have restrictions you didn’t even know existed.
Most brokers compare premiums.
We compare what actually matters.
We look at your services, professional licenses, employees, contractors, claims history, retroactive dates, and the exclusions that could leave your practice exposed.
We also look beyond malpractice. Your equipment. Your patient records. Your employees. Your business income if a covered loss forces you to close.
Because a Professional Liability policy doesn’t automatically protect your entire business.
No guessing. No cookie-cutter coverage. No finding out what’s excluded after a claim.
You help people get back on their feet. We help make sure your business stays on its own.
Credentials You Can Trust
Our team is actively involved in leading industry organizations and advanced underwriting programs — because expertise isn’t claimed, it’s earned.
We protect Therapy Professionals
against the "what ifs"
So your firm can focus on what matters most: your business.
WHAT OTHERS ARE SAYING
Testimonials
Hear directly from clients who’ve trusted us with their coverage.
“Transparent, clear and always available. It’s been a pleasure having PIE handle our architectural liability insurance.”
“Great company! We’ve been using them for years.”
“Our firm has used PIE for legal malpractice insurance for years. Excellent service and reasonable pricing. Highly recommend.”
“Great insurance agency. I’ve used them for many years and refer fellow lawyers. The team is top-notch.”
“Excellent service — best quality and support. We’ve been loyal clients for three years and look forward to many more.”
“PIE has covered my consulting business since 2017 — always seamless and dependable.”
“Best decision we made. PIE has saved us more money than any other broker — I just wish we found them sooner.”
“Fast, accurate and very professional. They always find competitive rates.”
“Service the way it should be. They work hard to make sure you’re happy — and they’re very nice people.”
Our Blog
Explore expert tips, industry updates, and insights to help you make smarter insurance decisions today.
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