Insurance Benefit Programs for APTA Members

APTA members are eligible to apply for a full range of cost-saving and value-added products and services.

Got questions? Members are invited to contact APTA's Member Services Department for assistance whenever questions or concerns arise regarding risk management or member benefits. Reach us at 800/999-2782, ext 3146, or at We look forward to serving you.


Professional & Business Insurance

Business Operations and Workers' Compensation Coverage
Business Operations and Workers' Compensation coverage is available for businesses wanting to protect themselves and their employees.

Professional Liability Insurance for PTs, PTAs, and Students
Professional Liability Insurance is designed to protect your assets and cover your expenses in the event of a suit being brought against you for malpractice.

Personal Insurance: Exclusive Plans for APTA Members!

HPSO is the new provider of select personal insurance products that are offered exclusively to APTA members. For Group Life and Long Term Disability, APTA members will now have access to higher coverage amounts. Access these exclusive plans at

Business Overhead Expense
Business Overhead Expense (BOE) Insurance is disability insurance for your practice. Coverage is designed to help cover eligible business expenses, such as business loans, leasing costs, taxes, employee salaries, maintenance and utilities, when the insured is totally disabled by a covered injury or illness and can't work in his or her profession.

Group Term Life & Level Term Life
Choose between Group Term (up to $1,000,000 benefit) and Level Term (up to $2,000,000 benefit). Group Term offers affordable rates as you begin your career and Level Term offers rates that remain the same for 10 or 20 years.

Long-Term & Short Term Disability
Disability Income Insurance can help ensure that a portion of your income continues if you're suddenly unable to earn your regular paycheck for a period of time due to a covered injury or illness.

Long Term Care
Long-Term Care Resources (LTCR) provides a comprehensive Long-Term Care Plan as a strategy to protect your savings and assets from the rising costs of long-term care. A choice of top rated insurance carriers is available to offer a wide range of plans.

Pet Health Insurance
Healthy Paws Pet Insurance is the nation's top-rated pet insurance plan and provides comprehensive coverage for accidents, illnesses, cancer, emergency care, genetic conditions, alternative care, and much more.

Supplemental Personal Insurance

Accidental Death and Dismemberment (AD&D) Insurance Plan
AD&D insurance pays a stated benefit to you or your beneficiary in the event of a bodily injury or death due to accidental means.

Dental Insurance
Help protect yourself and your family against today's rising dental costs with HPSO's new group dental insurance program. Healthcare providers and their families are guaranteed acceptance into this plan.

Medical Insurance
Making sure you get the right medical insurance coverage for yourself and your family is vitally important. HPSO in conjunction with Aon, provides an easy-to-use solution for finding the right health insurance.

Medicare Supplement Insurance
The Medicare Supplement Insurance Plan is available to healthcare providers and their spouses who are at least 65 years of age.


Auto, Homeowners, Renters, Condominium and Boat Insurance
The GEICO plans offer competitive rates; free, no obligation rate quotes; customized policies utilizing a variety of coverage combinations; and outstanding nationwide claims service.