physical therapy tools on a wooden floor

Workers' Compensation Insurance for Therapists

Policies for Physical Therapists, Occupational Therapists, and Mental Health Counselors

Get an Instant Quote



Why do Therapists need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Therapy practices focus on care but aren’t free from risks. From repetitive strain injuries to slips, accidents can happen in any setting. Workers’ comp offers essential coverage for medical expenses and lost wages, protecting your practice and providing peace of mind.

Common Therapist injuries

Slips and falls – Cluttered or wet office spaces may lead to accidents
Stress-related disorders – High emotional demands can contribute to chronic stress
Repetitive motion injuries – Continuous use of hands or tools may lead to carpal tunnel syndrome
Back injuries – Improper posture during sessions can strain muscles or joints

Common types of Therapist workers we can insure

Mental Health Counselors

Occupational Therapists

Physical Therapists

Speech Therapists

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Therapists workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Therapist Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Therapists cost?

Therapists' workers' compensation costs about $0.27 per $100 of payroll in 2025, offering a low monthly rate. For details, visit Workers’ Comp Rates for Therapists 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Therapists

Here are the main categories for classifying workers in the therapy industry. For more details, visit our guide: Workers’ Comp Class Codes for Therapists.

8832 - Physical Therapists and Occupational Therapists

8832 - Speech Therapists

8832 - Mental Health Specialists

0957 - Therapists (PA and DE)

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for Therapists?
Get a hassle-free instant quote & get coverage in under 10 minutes.

Get my Quote

Helpful tips to save money

Choosing therapist workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Therapist Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Therapist Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Therapists

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Do I need to include 1099 therapists in my workers' comp policy?

Yes, if your 1099 therapists don’t have their own workers' comp coverage, you must include their wages in your policy.

All the therapists in our practice are members of the LLC. Can they exclude themselves from workers' comp coverage?

Yes, LLC members can exclude themselves. However, finding an insurer willing to issue a policy solely for a small staff, such as assistants or receptionists, can be challenging. Insurance companies may add premiums to make the policy more viable.

I run a therapy agency where therapists see patients both at our office and in their homes. Can they be covered under workers' comp?

Yes, therapists who see patients both on-site and at home can be covered under your workers' comp policy. However, it’s important to review their driving records before hiring, as driving-related risks could lead to workers' comp claims.

State laws on Workers' Comp for Therapists

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
‍

Choose your state from the dropdown to learn more.

Need other types of insurance for Therapists?

Yes, we can help with that too!

Learn more about Therapist Insurance

a therapist helping a senior woman walking with parallel bars

Workers' Compensation Insurance for Therapists Cost | 2025

physical therapist assisting an elderly woman in a wheelchair with arm exercises using small dumbbells

Workers' Comp Code for Therapists: A Complete Guide

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for therapists insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

    

Excellent 5 stars

Get Workers’ Compensation for Therapists today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

Get my Quote



The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

By entering your email, you agree to our Privacy Policy.

The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
For advice tailored to your business insurance requirements, fill out our online application and speak with one of our licensed insurance professionals.