Common questions about Physical Therapists
Answering the most frequently asked questions about Physical Therapists.
Does my policy cover home visits?Gravity Certs2026-08-17T23:43:07-04:00
Only if the policy contemplates off-site treatment. Home health PT should be disclosed along with the driving exposure.
Am I covered for dry needling or manual therapy?Gravity Certs2026-08-17T23:43:06-04:00
Only if disclosed. Advanced modalities are sometimes excluded or rated separately, so list every technique you perform.
Do PT assistants need their own coverage?Gravity Certs2026-08-17T23:43:06-04:00
Depends on the arrangement. Employees are usually covered under the practice; contractors generally need their own.
What are the most common physical therapy claims?Gravity Certs2026-08-17T23:43:05-04:00
Treatment injury from over-progression, modality burns, and patient falls during gait or transfer work.
Is my modality equipment covered for breakdown?Gravity Certs2026-08-17T23:43:05-04:00
Equipment breakdown covers ultrasound, e-stim and traction units failing internally. Property covers only fire and theft.
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