Class code 9110-3 — Occupational/Physical Therapy Clinic

This classification covers occupational and physical therapy clinics where therapists provide hands-on rehabilitative treatment to patients recovering from injury, surgery, or chronic conditions.

Typical sessions involve guiding patients through therapeutic exercises, providing manual stretching or joint mobilization, and assisting with the use of equipment like resistance bands, treadmills, or balance devices. Because therapists frequently support patients physically during exercises or transfers, the role requires sustained physical engagement throughout each appointment.

Payroll includes physical and occupational therapists, therapy assistants, and front-office staff managing scheduling and billing. Injury frequency is driven largely by strain from assisting patients with mobility-limiting conditions, along with repetitive stress from guiding numerous therapy sessions throughout the day.

Underwriters typically ask how much of a therapist's caseload involves physically assisting patients with transfers or ambulation versus supervising lower-exertion exercises, since that mix drives strain injury frequency more than session volume alone. Payroll should distinguish licensed therapists from aides and clerical staff, since duties and injury exposure differ meaningfully between those roles. Clinics that train staff in proper body mechanics for patient assistance and rotate therapists across lighter and heavier caseloads tend to see fewer cumulative strain claims over time.