Small three-clinic group — relevant?

Partner buy-ins alone generate the claims; scale changes limits, not relevance.

Platform deal closing soon?

Tail the existing program, review founder-side protection, bind before signing — sequencing we handle routinely.

Who is insured across MSO structures?

Mapped entities, swept definitions — we chart it before placement.

Structure, terms, payer mix — one submission.

D&O Insurance for Physical Therapy Groups

Who sues the leadership of physical therapy groups

Founder earn-outs hinge on referral continuity platforms control; integration decisions become shortfall allegations.

Partner buy-in programs generate valuation and disclosure disputes when clinic economics shift post-admission.

How D&O fits with EPL, cyber and fiduciary coverage

Malpractice and EPLI carry the clinical and workforce sides; see the PT management liability guide for those. See our full physical therapy groups management liability guide for the employment-practices side of the program. Explore D&O insurance, cyber liability, and fiduciary liability, or start with employment practices liability.

What a claim can look like

Illustrative scenario

A platform consolidates two acquired clinics mid-earn-out; the founder’s referral base splinters and the closure decision becomes his claim.

Illustrative scenario

A new partner’s buy-in valuation predates a payer cut leadership saw coming; his rescission demand cites the board packet.

Scenarios are illustrative composites, not descriptions of actual claims or outcomes. Whether any claim is covered depends on the policy issued.

What carriers will ask about your organization

Structure, transactions, earn-outs
Partner buy-in program terms
Payer mix and referral concentration
Board reporting practices
Claims history
Revenue and payroll

One application. Multiple A-rated carriers.

We market your account and you compare terms side by side — no obligation.

Get Multiple Quotes within minutes

Frequently asked questions

Small three-clinic group — relevant?: Partner buy-ins alone generate the claims; scale changes limits, not relevance.
Platform deal closing soon?: Tail the existing program, review founder-side protection, bind before signing — sequencing we handle routinely.
Who is insured across MSO structures?: Mapped entities, swept definitions — we chart it before placement.
What starts quotes?: Structure, terms, payer mix — one submission.

Provident Financial Group is an independent insurance agency, not a carrier. We place coverage for physical therapy groups in New Jersey, New York, Connecticut, Vermont, Ohio, Pennsylvania, Michigan, Kansas, North Carolina, South Carolina, the District of Columbia, Virginia, Maryland, Delaware, Georgia, Florida, Texas, California, Kentucky, Massachusetts, Indiana, Nevada, and Arizona.