Quick Answer
Allied health professional liability insurance (also called malpractice insurance or professional liability) covers legal defense costs, settlements, and judgments when a client or patient alleges your care, treatment, or professional service caused them harm. Individual policies are usually written on a claims-made basis with $1,000,000 per claim and $1,000,000 to $3,000,000 aggregate limits, and most allied health professionals pay a few hundred dollars a year for individual coverage.
PRIA Brokers offers an instant online quote path for allied health professionals through CM&F Group, appointed with our agency. Start here: Get an instant allied health liability quote.
Who Can Get an Instant Quote
The instant quote path covers more than 190 allied health and healthcare roles, including:
- Therapists and rehab: massage therapists, physical therapists and PT assistants, occupational therapists, speech-language pathologists, athletic trainers, behavioral therapists.
- Nursing and clinical support: registered nurses (RN, LPN, LVN), medical assistants, phlebotomists, dental hygienists, case managers.
- Behavioral and mental health: BCBAs and ABA providers, mental health counselors including LMFTs, LCSWs, LPCCs, psychologists, and associates.
- Aesthetic and wellness: med spas, injectors, estheticians, acupuncturists, personal trainers, childbirth educators.
- Specialty practices: chiropractors, audiologists, and other licensed clinical roles.
If your role is not listed, call PRIA Brokers at (888) 998-7742. A licensed broker can usually find a market even when the automated form does not show one.
What Individual Professional Liability Covers
A typical allied health professional liability policy responds to:
- Professional negligence allegations arising from your treatment, technique, or service.
- Legal defense costs, often the largest part of a claim, including attorney fees, expert review, and deposition costs.
- Board or licensing complaint defense, on policies that include it, which matters for licensed clinicians.
- Personal injury claims connected to your professional services, such as a claim involving a treatment-related injury.
- Coverage that follows you, rather than your employer, so per diem, part-time, and multi-site work stays protected.
What It Does Not Cover
Professional liability is not a general business policy. It generally does not cover:
- General liability exposures like slips and falls in a space you control, or damage to a landlord's property.
- Product liability for retail or professional products you sell or dispense.
- Employment claims from staff you employ, which require EPLI.
- Cyber or data breach events, which require cyber liability.
- Intentional or criminal acts, and services outside the scope of your license.
Med spas and businesses with employees usually need a package rather than an individual policy, because the exposure goes beyond professional services.
Typical Cost Ranges
Individual allied health policies are priced by role, state, work setting, hours worked, limits, and claims history. Broad planning ranges for individual coverage:
| Role | Indicative annual premium | Common limits |
|---|---|---|
| Registered nurse | $100 to $300 | $1M / $3M |
| Dental hygienist | $100 to $300 | $1M / $3M |
| Massage therapist | $150 to $350 | $1M / $1M |
| Physical therapist | $150 to $400 | $1M / $3M |
| Medical assistant | $150 to $350 | $1M / $1M |
| Speech-language pathologist | $150 to $400 | $1M / $1M |
| Mental health counselor | $200 to $600 | $1M / $3M |
| BCBA | $200 to $500 | $1M / $1M |
| Esthetician | $200 to $700 | $1M / $1M |
| Med spa | $400 to $1,500 | Varies by services |
| Chiropractor | $500 to $3,000 | Varies by practice |
These are planning ranges, not quotes. Actual premium depends on underwriting, and policy terms control.
Claims-Made, Occurrence, and Retroactive Dates
Most individual allied health policies are claims-made: the claim must be reported while the policy is in force, and the incident must have happened after the retroactive date. If you let a claims-made policy lapse, later claims about earlier work may not be covered unless you buy tail (extended reporting period) coverage. Ask about the retroactive date before you switch carriers, especially if you have years of practice history to protect.
How the Instant Quote Works
1. Open the allied health instant quote form.
2. Select your profession and state, then answer the short application questions about your work setting, hours, and limits.
3. Review the quote and the policy terms, including the retroactive date and exclusions.
4. Bind coverage directly, or call PRIA Brokers at (888) 998-7742 if you want a second opinion or a comparison quote.
The quote path is designed for individual professionals. If you run a practice with employees, a med spa, or a multi-provider clinic, contact PRIA Brokers instead so the coverage includes the business entity, general liability, and any property exposure.
How PRIA Brokers Fits In
PRIA Brokers (Professional Resource Insurance Agency, LLC) is an independent California brokerage, CA License #0G81238, appointed with CM&F Group for allied health professional liability. We also work with A-rated carriers for business coverage. Learn more on the allied health insurance page.
If you want to compare the instant quote against other markets, or you need coverage for a practice rather than an individual, request a quote or call (888) 998-7742.
Important
This article is general information, not insurance or legal advice. Coverage, limits, and eligibility are subject to underwriting and to the policy's terms, conditions, and exclusions. Premium ranges are indicative planning figures, not quotes. Policy language controls in all cases.