What type of insurance is mandatory for physical therapists to maintain in California?

Malpractice insurance is a critical type of coverage for physical therapists in California, as it protects them against claims of negligence or wrongful acts that may arise during the course of providing their professional services. This insurance covers legal fees and any settlements or judgments that may occur if a patient alleges harm as a result of treatment.

In California, maintaining malpractice insurance is particularly vital because it not only safeguards the therapist's financial stability but also ensures confidence in the therapist's practice for both the therapist and their patients. The requirement of this insurance fosters a higher standard of care and promotes accountability within the profession. Therefore, it is essential for physical therapists to have this coverage as part of their practice, making it a mandatory aspect of their professional liability management in the state.

Conversely, while liability insurance might seem somewhat relevant as it provides broad coverage against various claims, it isn’t specifically mandated in the same way malpractice insurance is. Health insurance for patients and property insurance do not pertain to the therapist's own professional risk, but rather to patient access to health services and the protection of physical assets, respectively. Thus, malpractice insurance stands out as the essential type of insurance required for physical therapists.