2026 Physical Therapy Claim Report

For more than a decade, CNA, Healthcare Providers Service Organization (HPSO), and the American Physical Therapy Association (APTA) have collaborated to provide physical therapists with professional liability insurance, risk management resources and data-driven industry insights. Our Physical Therapy Professional Liability Claim Report: 5th Edition leverages closed claims data to highlight key trends, emerging risks and actionable strategies to help physical therapy professionals strengthen their practices and better manage professional liability exposures.

 

Download Report

 

5 Key Report Takeaways:

 

  • Professional liability claim severity increased 20.3%, with average claim costs rising to $162,174. 
  • Claims against physical therapist assistants (PTAs) are 40.4% more costly on average than claims against physical therapists (PTs). 
  • Manual therapy remains the leading claim allegation, with average incurred costs increasing 35.6% since 2020. 
  • Fractures are the most common injury in PT claims, representing 24.2% of all claim injuries. 
  • Complaints related to professional conduct comprised 46.7% of licensure defense expenses.

 

Whether you're a physical therapist, practice owner, physical therapist assistant, healthcare leader, insurance industry professional or risk manager, this report provides valuable insights to help decision-making and support the advancement of the physical therapy profession.


Looking for Additional Physical Therapy Resources?


Visit HPSO for physical therapy-specific risk management resources, including case studies, articles, and checklists, as well as information about professional liability insurance and other educational materials designed to support physical therapists throughout their careers.