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Insurance for Trauma Rehab Centers

Insurance for trauma rehab center 

Trauma rehabilitation centers play a vital role in helping patients recover function and independence after serious injuries, such as spinal cord trauma, brain injuries, or orthopedic accidents. These facilities often combine physical therapy, occupational therapy, speech therapy, and medical oversight—creating multiple points of liability exposure.

Homewood Insurance helps trauma rehab centers secure tailored liability coverage that protects both the organization and its staff.

This page explains the following:

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for your trauma rehab center is to fill out our quick quote form. We’ll provide tailored options based on your services, patient mix, and facility profile.

Homewood Insurance works with a wide range of carriers to ensure you have the most suitable coverage at the best price.

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Insurance for Trauma Rehab Centers can include:

  • Bodily injury and property damage coverage
  • Premises liability (slips, trips, and falls)
  • Completed operations coverage
  • Personal and advertising injury (defamation, slander, or libel)
  • Medical payments coverage
  • Professional liability for therapy errors, negligent supervision, or medication errors
  • Legal defense costs covered in addition to liability limits
  • Abuse and Molestation (SAM) coverage (limited)
  • Standard limits available up to $1,000,000 per claim / $3,000,000 aggregate, with tail and retroactive coverage.

Insurance for Trauma Rehab Centers can include:

Malpractice or liability insurance can provide essential protection against these risks:

  1. Professional Liability (Malpractice) Insurance

    1. Errors in therapy planning, exercise prescription, or rehabilitation protocols
    2. Failure to monitor or respond to complications in high-acuity patients
    3. Negligent supervision during therapy sessions leading to reinjury or falls
    4. Medication errors (dosage, administration, or monitoring)
    5. Failure to obtain informed consent for treatment or rehabilitation activities
    6. Miscommunication among staff or with families regarding patient progress or care changes
    7. Breach of confidentiality, including HIPAA violations

  2. General Liability Insurance

    1. Injuries from slips, trips, and falls within rehab centers or therapy gyms
    2. Injuries related to specialized equipment (e.g., treadmills, stair trainers, therapy bands)
    3. Liability for visitors, family members, or volunteers injured on-site
    4. Property damage during community-based or home therapy programs
    5. Personal and advertising injury, such as defamation claims

Optional add-ons: cyber Liability Insurance (for electronic records), employment practices liability, and umbrella liability for large or multi-location centers.

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The Cost of Trauma Rehab Center Insurance:

Premiums are influenced by specialty mix, litigation environment, facility size, and claims history. Carriers also evaluate risk management protocols such as credentialing, peer review, and informed consent.

Professional Liability Insurance – Estimated Ranges

  • Small to mid-size outpatient trauma rehab: $3,000 – $8,000 annually
  • Larger inpatient or multidisciplinary centers: $10,000 – $25,000+ annually
  • Costs rise with higher patient acuity, invasive procedures, or complex care offerings.

General Liability Insurance – Estimated Ranges:

  • Standalone rehab center: $1,500 – $4,000 annually
  • Multi-location or hospital-affiliated programs: $5,000+ annually

Key factors influencing premiums:

  • Patient acuity (spinal cord, TBI, ventilator-dependent patients = higher risk)
  • Scope of services (outpatient therapy vs. inpatient with medical management)
  • Claims history and risk management protocols
  • Facility accreditation (e.g., CARF, JCAHO) and compliance with state/federal regulations
  • Use of invasive or interventional services (e.g., injections)

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MedPro Group
Core Specialty
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Travelers Insurance
CFC Underwriting
Applied Underwriters
Tokyo Marine Insurance Group
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AIG Insurance
Ironshore
Strategic Comp
MagMutual
Genstar
Beazley
Empro Insurance
Great American Insurance
Skyward Specialty Insurance
Hudson Insurance Group
Huntersure Insurance
MIG Insurance
Kinsale Insurance

High-Risk Procedures and their Impact on your Premiums

Procedure / Activity Why It’s Higher Risk Mitigation Strategies Insurance Impact
Gait & Balance Training with Equipment Falls during treadmill or stair use; accounts for 40%+ of PT claims Supervision, fall-risk assessments, non-slip flooring 25–50% GL/PL surcharge if unsupervised or high volume
Manual Therapy & Joint Manipulation Excessive force leading to fractures, tears, or nerve damage Therapist certification, clear consent, force monitoring 20–40% PL increase; higher deductibles possible
Electrical & Thermal Modalities Burns or skin damage in patients with reduced sensation Pre-treatment skin checks, calibrated devices, monitoring 15–30% PL increase if frequent modality use
Interventional Injections (pain management) Infection or neurologic injury; high-severity litigation Physician oversight, sterile protocols, informed consent 50–100% PL increase; often requires endorsement

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Other types of Insurance Trauma Rehab Centers may need

 
General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.
 
 
Professional Liability Insurance

Professional Liability Insurance

Also known as malpractice insurance, this  protects facilities against claims related to malpractice, negligence, or injury resulting from resident care. Staff members will typically be covered by professional liability insurance.
 
 
sexual-molestation

Sexual Abuse and Molestation Insurance

Provides coverage for your trauma rehab center against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living industry.
 
 
Commercial Property Insurance

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.
 
 
workers compensation insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law. It protects trauma rehab centers and employees in case of work-related injuries or illnesses.
 
 
Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.
 

Why Work With Homewood

  • Access to nearly 100 insurance carriers, including those specializing in rehabilitation risks
  • Expertise in balancing professional liability and general liability coverage for complex care settings
  • Guidance on securing endorsements for high-risk services (e.g., injections, ventilator support)
  • Help structuring policies across multi-location or hospital-affiliated programs
  • Advocacy during claims, ensuring your center is supported through the process

Call 947-274-3093 or
Fill Out the Form

Ralph Schiller

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Trauma Rehab Centers at the best price. You can call him or fill out the form and he will get your message directly.