Professional & General Liability Insurance For OTs
Join thousands of occupational therapists who trust MyOT Insurance to safeguard their career
Employed
Rates for OTs working for a company
$169/yr
Self-Employed
Rates for OTs working independently
$297/yr
Occupational Therapy Insurance
Professional Liability Insurance Designed to Fit Your Needs
Occupational Therapy is a hands-on profession, which can lead to claims against you as the provider of care even if you work for a company. With MyOT Insurance, you can rest easy, knowing you are covered if the unfortunate happens.
Instant Coverage
Proof of Insurance & certificate delivered instantly
Industry Preferred Coverage
Industry-preferred Occurrence Form Coverage
Fast Checkout
Coverage in less than 3 minutes
One Policy, Multiple Modalities
500+ modalities under one policy at no extra cost
Quick & Easy Process
Takes Less Than 5 Minutes With No Quote Process!
Fill Out Application
Confirm Coverage
Instant Coverage & COI
Why Choose My OT Insurance?
MyOT Insurance is tailored, and affordable coverage that provides peace of mind and protection for your OT career.
Mobile Coverage
Your personal insurance coverage follows you wherever you work in the US. In all 50 states!
Backed by Industry Leaders
We are backed by Gallagher, the 3rd largest brokerage company in the world.
Identity Theft Protection
Included in every policy is identity theft protection to keep you safe in the online landscape.
All-inclusive
All the coverages we have listed are included in each policy, no add of fees or coverages.
What is Occupational Therapy?
Occupational therapy (OT) is a healthcare profession that focuses on helping individuals achieve independence in their daily lives. Occupational therapists (OTs) work with people of all ages who have physical, mental, or cognitive challenges. The goal is to enable clients to engage in meaningful activities (occupations) that promote health and well-being. OT interventions may include therapeutic exercises, adaptive equipment recommendations, and environmental modifications to support individuals in their homes, workplaces, schools, or communities.
Policy Coverage Details
MyOT Insurance has created a unique insurance policy with coverage limits designed specifically for the Occupational Therapist. All the coverages and limits listed are included in each policy at no extra cost.
Professional & General Liability
$1 Million per occurrence
$3 Million per year
Protects you in the event you are sued for claims against you during the services you provide or that happen in the facilities you rent or own
Personal Injury & Advertising Injury
$1 Million
Protects from liability for non-physical injuries or damages resulting from actions like defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing.
Additional Coverages
Identity Protection: $25,000
Protects you against the fraudulent act of obtaining someone obtaining and using your personal information to commit various types of fraud or theft.
Customer Testimonials
Switching to MyOT Insurance was the best decision. They offer coverage tailored for Occupational Therapists, and their customer service is excellent. I highly recommend them!
As an independent Occupational Therapist, MyOT Insurance has been a game-changer for my practice. Their coverage options are comprehensive, and the team truly understands the unique risks we face in our profession. I can focus on my clients, knowing I'm fully protected.
I shopped around, and MyOT Insurance offered the most comprehensive coverage at a lower cost. They truly provide the best value for Occupational Therapists. Highly recommend!
FAQs
What is liability insurance for Occupational Therapists?
Liability insurance for OTs, which includes both professional liability (or malpractice insurance) and general liability, provides comprehensive protection for occupational therapists. Professional liability insurance protects OTs from legal claims alleging that their professional services caused harm or were substandard, covering legal defense costs, settlements, and judgments. General liability insurance, on the other hand, protects OTs from claims related to bodily injury or personal injury that may occur during the course of their work, offering an additional layer of security against a broader range of risks.
Do Occupational Therapists need liability insurance?
Yes, Occupational Therapists should obtain liability insurance to protect themselves from financial risk associated with professional claims. It helps cover legal fees and potential settlements or judgments if a client sues for malpractice, negligence or bodily. Requirements to have OT insurance may differ by state so check whether it is required in your state to practice.
What’s the difference between occurrence form coverage and claims-made coverage?
Occurrence Form Coverage is a policy covering claims that arise out of damage or injury that took place during the policy period, regardless of when claims are made. Occurrence Form Coverage is considered the gold standard in the health and wellness industries as it covers you for an incident that occurred during the policy period, regardless if the policy is still active.
Claims-made policy is a policy providing coverage that is triggered when a claim is made against the insured during the policy period, regardless of when the wrongful act that gave rise to the claim took place. It is important to note that a claim made policy will not cover you unless the policy is active when the claim is made.
What type of insurance should an OT have?
Occupational Therapists (OTs) should consider obtaining both professional liability insurance, also known as malpractice insurance, and general liability insurance. Professional liability insurance covers legal costs and damages if a client claims that the OT’s professional services caused harm or were inadequate. Additionally, general liability insurance offers protection against claims related to bodily injury or personal injury that may occur during the course of their work, providing a more comprehensive safeguard for their practice. You may also consider coverages like Identity Theft Protection and Advertising Injury & Personal Injury to fully protect your OT Career.
Who needs OT insurance?
OT insurance is necessary for:
Licensed Occupational Therapists: Practicing OTs who provide therapeutic services to clients.
Occupational Therapy Assistants: Those working under the supervision of an OT.
Students: OT students and interns who are providing services under supervision.
Private Practice Owners: Individuals who own or operate a private OT practice.
How can I compare different OT insurance plans?
To compare different OT insurance plans, consider these factors:
- Coverage Limits: Review the maximum amount the policy will pay for claims.
- Types of Coverage: Check for specific coverage related to OT practices, such as telehealth, in-home visits, or professional misconduct.
- Exclusions: Look for any exclusions or limitations in coverage.
- Provider Reputation: Research the insurance provider’s reputation and customer service.
What is a certificate of insurance?
A certificate of insurance is a document provided by an insurance company that verifies an individual or organization has an active insurance policy. It includes details about the type of coverage, policy limits, and the policy period. You may be asked to provide proof of insurance and this is what you would present.