*Claims will be evaluated for coverage based upon the specific facts and circumstances presented, the issued policy terms, conditions and exclusions. If coverage is afforded, the amounts payable under a policy are subject to applicable deductibles and limits of insurance. An interpretation of coverage does not predict the outcome of a claim.

**Physical Therapy Liability Claim Report: 4th Edition, HPSO and CNA

*** Rates may vary depending on state and practice setting