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.

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.

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.

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.

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.

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.

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.