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Occupational Therapist Liability Insurance

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Professional & General Liability Insurance For OTs

Join thousands of occupational therapists who trust MyOT Insurance to safeguard their career

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Assistants

Rates for OT Assistants working for a company

$89/yr

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Employed

Rates for OTs working for a company

$169/yr

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Self-Employed

Rates for OTs working independently

$297/yr

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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.

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Instant Coverage

Proof of Insurance & certificate delivered instantly

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Industry Preferred Coverage

Industry-preferred Occurrence Form Coverage

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Fast Checkout

Coverage in less than 3 minutes

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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!

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Fill Out Application

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Confirm Coverage

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Instant Coverage & COI

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Why Choose My OT Insurance?

MyOT Insurance is tailored, and affordable coverage that provides peace of mind and protection for your OT career.

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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.

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Identity Theft Protection

Included in every policy is identity theft protection to keep you safe in the online landscape.

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All-inclusive

All the coverages we have listed are included in each policy, no additional fees for coverages you need.

Our Mission

We empower Occupational Therapists by providing all-inclusive liability insurance that protect their passion, practice, and peace of mind. We are committed to delivering exceptional service and affordable coverage to ensure our clients can focus on helping others while we safeguard their professional future.

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.

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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!

Jessica A.

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.

Patricia L.

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!

Atlas C.

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.

More FAQs

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Should you have any questions about an existing or new liability insurance policy with My OT Insurance,
call 800-993-0648 and speak with a live representative,
Monday – Friday, 8:30am to 5:30pm.

The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.

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8430 Enterprise Circle Suite 200
Lakewood Ranch, FL 34202

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