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Coverage for a physical therapy organization can include:
General Liability Directors & Officers Liability Employment Practices Liability Abuse and Molestation Special Events Crisis Intervention Professional Liability Crime Property Equipment Breakdown Business Income Auto Employee Benefits Liability Blanket Additional Insureds Cyber Liability Umbrella Policy highlights can include:
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Employee Benefits Liability
Blanket Additional Insureds
Policy highlights can include:
Physical therapy organization claim examples:
Directors and Officers Claim:
A donor made a large contribution to a physical therapy organization requesting that the money be used
to enhance the home. The board instead votes to use the money to buy a new car for the
director. The donor files suit alleging misappropriation of funds.
A fire breaks out as a result of cooking in the common kitchen area of a home, which results
in extensive smoke and heat damage to both the home and its contents and forces the homeowners seek an
alternative facility for a period of one month. The organization suffers a loss of $75,000 in property
damage and extra expenses.
Abuse and Molestation Claim:
A man who is volunteering for a physical therapy organization receives consent to take a girl he is
mentoring on a trip. During the trip, the girl is sexually molested. The girl’s family sues
the organization’s Abuse and Molestation coverage for bodily injury and mental duress.
General Liability Claim:
A guest at a home slipped and fell in the bathroom and broke his arm. The guest filed a lawsuit against
the organization for pain and suffering, medical bills and rehabilitation expenses.
Home Health Aide (non-medical) Claim:
Happy Home Helpers is a small home health aide company with five employees
including Beth. Beth has been assigned work at the home of an elderly couple needing daytime assistance. She has
been working with the couple for almost six months when a family emergency forces her to take a leave from work.
Happy Home Helpers quickly replaces Beth’s role with another employee who is not as familiar with the couple’s
daily routine. Unhappy with the new helper’s services and the next two replacements following, the couple begins calling
in complaints to the company. Not getting the response or apology they want from Happy Home Helpers, the
couple files a lawsuit against the company for professional negligence for $2,500. Although the lawsuit is closed in favor
of Happy Home Helpers, the small company is not able to sustain the defense costs of the long running lawsuit and is
forced to shut down.