Insurance for Occupational Therapists
Affordable General Liability from $28.86/month
Covers claims that your care or advice harmed a patient
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From multiple carriers
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Buy online in minutes
Save Money
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Instant Coverage
Delivered to your inbox
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What does occupational therapist insurance cover?
Occupational therapist insurance helps protect your business from the financial impact of claims arising from the therapy services you provide and your day-to-day business operations.
Depending on the policy, coverage may include:
- Legal defense costs
- Settlements or damages
- Third-party bodily injury
- Property damage
- Professional negligence claims
- Employee injury benefits under Workers’ Compensation
- Damage to business property under a Business Owner’s Policy (BOP)
Be sure to read your policy documents carefully to understand what’s covered.
Why do occupational therapists need insurance?
Even with the right qualifications and professional care, occupational therapists can face professional negligence claims, client injuries, property damage, or other unexpected incidents while providing therapy services. Insurance can help protect your occupational therapy business from the financial impact of these unexpected events.
| Risk scenarios | Coverage benefits |
|---|---|
| Client injury A client loses their balance during a rehabilitation exercise and suffers an injury while under your supervision. | General Liability Insurance can help cover legal costs and compensation if your business is held responsible for a third-party injury. |
| Professional negligence claim A client alleges that a therapy plan or treatment recommendation caused their condition to worsen or delayed their recovery. | Professional Liability Insurance can help cover legal defense costs, settlements, or damages arising from claims of negligence, errors, or omissions in the professional services you provide. |
| Cyber breach Cybercriminals gain access to your patient management system, exposing confidential personal and medical information. | Cyber Breach Response Services coverage can help with the costs of responding to a data breach, including notifying affected individuals and certain breach response expenses, subject to the policy terms. |
| Employee injury An occupational therapy assistant suffers a back injury while helping a client transfer between a wheelchair and treatment equipment. | Workers’ Compensation Insurance can help cover medical expenses, lost wages, and other benefits for employees who suffer work-related injuries or illnesses, where required by state law. |
| Damaged equipment A burst pipe damages your treatment tables, adaptive equipment, computers, and patient records, interrupting your ability to provide therapy services. | A Business Owner’s Policy (BOP) can help cover the cost to repair or replace damaged business property following a covered event, helping your business recover sooner. |
What types of insurance do occupational therapist need?
BizInsure combines Professional Liability and General Liability into a single package for occupational therapists. These insurance policies cover the common risks for occupational therapists, from claims tied to treatment plans and clinical judgment to client injury or property damage during a session.
Professional Liability insurance
Professional Liability Insurance (also known as Malpractice insurance) protects occupational therapists if a client claims your treatment plan, exercises, or clinical judgment caused them harm. It covers legal costs and settlement costs. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
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How much does occupational therapist insurance cost?
Combined Professional Liability and General Liability insurance for occupation therapists costs $42.31 per month*.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
With BizInsure, You can get flexible coverage levels to suit your with complex needs.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
With BizInsure, You can get flexible coverage levels to suit your unique occupation therapy insurance needs.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
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Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
