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Pennsylvania PT Insurance Requirement

A licensed physical therapist shall maintain professional liability insurance in the minimum amount of $1 million per occurrence or claims made as a condition of practicing as a physical therapist in this Commonwealth.

Coverage may be provided through:

    • A self-insurance plan that meets the standards and procedures established by the Insurance Department in 31 Pa. Code Chapter 243 (relating to medical malpractice and health-related self-insurance plans).
    • Personally purchased professional liability insurance.
    • Professional liability insurance, coverage provided by the licensee’s employer.
    • A similar type of coverage.

Proof of Coverage

Proof of professional liability insurance coverage must include a certificate of insurance or copy of the declaration page from the insurance policy setting forth the effective date, expiration date and dollar amounts of coverage. A license that was issued in reliance upon a letter from the applicant’s insurance carrier indicating that the applicant will be covered against professional liability effective upon the issuance of the applicant’s license will become inactive as a matter of law thirty (30) days after issuance of the license if the licensee has not provided proof of professional liability insurance coverage and will remain inactive until the licensee provides proof of insurance coverage.

Citation

49 Pa. Code ยง 40.69

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