Occupational Therapist Liability Insurance
Get the best and most comprehensive occupational therapy liability insurance thousands of OTs trust at one affordable annual price.
OT Insurance As Low as $89/ Year
Telehealth Coverage
Visit with board-certified physicians or pediatricians, anytime, anywhere.
Coverage In All 50 States
Your personal insurance coverage follows you wherever you work in the U.S.
Occurrence Form
Industry-preferred coverage for any incident that happened while your policy was in effect.
Instant Certificate
You’ll receive a Certificate of Coverage (COC) via email immediately upon payment.
OT Insurance As Low as $89/ Year
How Much Does Occupational Liability Insurance Cost?
Your annual premium is based on your current professional role—whether you’re a student, employed by a company, self-employed, or working as an occupational therapy assistant. Policies start at just $89 per year, and every plan includes the same high-quality, comprehensive coverage. Our rates are structured to reflect your stage in the profession.
Assistants
Rates for OT Assistants working for a company
$89/yr
Employed
Rates for OTs working for a company
$169/yr
Self-Employed
Rates for OTs working independently
$297/yr
Purchasing Occupational Therapy Insurance
My OT Insurance does not have a drawn out quote process and online application, but instead uses an easy and quick checkout. We make the process quick and simple. We’ll ask you for your profession, contact information, and the type of coverage you would like to receive.
You won’t need to wait weeks to receive an over-priced insurance quote. However, when you do enroll in our insurance you might want to opt for the additional insured option. This will protect a business or person, should the name of the insured be found unreliable or negligent.
Starting a new occupational therapy job tomorrow? My OT Insurance has you covered. You’ll receive proof of insurance as soon as you pay and instant coverage.
MyOT Policy Limits
Your peace of mind is our priority. That’s why all of our policy options include the same great coverage limits.
Professional Liability Insurance: Often referred to as "malpractice insurance" or "errors and omissions insurance," this coverage protects against claims of professional negligence, such as injuries caused by hot stone treatments or deep tissue massages.
General Liability Insurance: This insurance safeguards against claims unrelated to your professional services. For instance, if a client trips and falls on your property, general liability insurance would cover the legal and financial consequences of the incident.
This type of insurance protects businesses against claims of non-physical harm, such as defamation, invasion of privacy, or wrongful eviction, as well as claims related to advertising activities. This includes accusations of libel, slander, copyright infringement, or false advertising, where the insured is alleged to have caused reputational damage or financial loss to another party.
A type of insurance that helps safeguard against the financial and legal consequences of identity theft. It typically includes services such as credit monitoring, dark web surveillance, and identity recovery assistance, helping policyholders detect and respond to threats that could compromise their personal information.
Industry Preferred Occurrence Form Coverage
Coverage for claims filed after policy expiration while your policy was active.
Teleheath Coverage
Coverage for when you offer your services using online platforms
Purchase Liability Insurance
MyOT satisfies all insurance requirements in addition to giving you extra coverage & benefits you need at an affordable price that’s significantly lower than our competitors!
Who Needs Occupational Therapy Insurance?
Whether you’re an occupational therapist, an occupational therapy assistant, working independently, employed by a company, or in training to become an OT, having professional liability insurance is essential. Even the most careful professionals can face unexpected claims from patients, leading to costly legal battles. With an individual policy from My OT Insurance, you’ll have peace of mind knowing you’re protected no matter your employment status. If a claim is filed against you, your coverage will help protect your career and financial future.
Coverage For All Occupational Therapy Specialties
No matter what you specialize in, MyOT Insurance provides coverage for all Occupational Therapy Specialties under one policy
Pediatric
Gerontology
School Systems
Low Vision
Mental Health
Physical Rehabilitation
Geriatric
Neurological
Hand
Do Occupational Therapists Need Insurance?
Yes. Occupational therapists work closely with patients, often in physically and emotionally sensitive situations. This hands-on care—while vital to patient progress—also comes with the risk of misunderstandings, accidents, or allegations that can lead to legal claims.
Even if you’re careful, a single claim could threaten your professional reputation and financial well-being. That’s why having your own individual liability insurance policy is crucial, whether you’re self-employed, work for a company, or are an occupational therapy assistant.
My OT Insurance offers specialized coverage designed specifically for occupational therapists. We understand the unique risks of your profession and have developed a policy to help protect your career, your income, and your peace of mind.
You’ve worked hard to build your career, so protect it with a smart investment in the right insurance
Student Liability Insurance
As an occupational therapy student, you are just as susceptible to the risks of a lawsuit while in school. My OT Insurance is able to discount our already low price to just $69 a year to ensure students have the ability to get the coverage they need.
Once you become fully licensed, accredited, or certified, you will be able to take this coverage with you.
Occurrence Form Coverage
Occurrence form coverage is a type of insurance policy that covers claims arising from incidents that occur during the policy period, no matter when the claim is reported—even if it’s years later.
Occurrence Policy
An occurrence form policy provides coverage for incidents that happen during the policy period, regardless of when the claim is filed.
Let’s say a contractor has an occurrence-based general liability policy effective from January 1, 2024, to December 31, 2024. If a customer is injured due to the contractor’s work in July 2024 but doesn’t file a claim until 2026, the claim is still covered because the incident occurred during the policy period.
Occurrence Example:
Policy Period
Jan
2024
Loss Occurs
Dec
2024
Claim Reported
Claims-made Policy
A claims-made policy is a type of insurance coverage that provides protection only if the claim is made during the active policy period (or within an extended reporting period, if purchased)—regardless of when the incident occurred, as long as it happened after a specified retroactive date.
A consultant has a claims-made professional liability policy effective from January 1, 2024, to December 31, 2024, with a retroactive date of January 1, 2023. If a client files a claim in November 2024 for an error the consultant made in February 2021, the policy covers it—because:
- The incident happened after the retroactive date, and
- The claim was made during the policy period.
But if that same claim is filed in January 2025 (after the policy ends), it would not be covered—unless the consultant has purchased tail coverage (an extended reporting period).
Claims-made Example:
Policy Period
Retroactive Date
Extended Reporting Period
Jan
2024
Loss Occurs
Dec
2024
Claim Reported
Compare Occupational Therapy Insurance
My OT Insurance offers more benefits than our competitors such as identity protection, and a free professional website. Covering $1 million per occurrence and $3 million annually, My OT Insurance offers the best-priced insurance. Annual rates for professionals is $297 in comparison to million dollar lawsuits.
| MyOT | HSPO | Proliability | Berxi | |
|---|---|---|---|---|
| Professional Liability | $1MM/$3MM | $1MM/$3MM | $1MM/$3MM | $1MM/$3MM |
| General Liability | $1MM/$3MM | $1MM/$3MM + Additional Cost | $1MM/$3MM + Additional Cost | $1MM/$3MM + Additional Cost |
| Personal & Advertising Injury | Personal Injury Only | |||
| Occurrence Form | Option to Choose | Option to Choose | ||
| Additional Insured | $30 Unlimited | $165 per added | ||
| Portable Coverage | ||||
| Telehealth Coverage | ||||
| Identity Protection | Add'tl Cost of $100/YR | |||
| Student Rate | $69 | Discount Varies by State* | $32.92 | |
| Quote Process | ||||
| *Self-Employed Rate | $297/YEARGet Insured | $509/YEAR | $349/YEAR | $359/YEAR |
| *Employed Rate | $169/YEARGet Insured | $338/YEAR | $203/YEAR | $359/YEAR |
What Type Of Occupational Therapy Insurance Is A Good Fit for You?
When choosing insurance as an occupational therapist, it’s important to select a policy that provides comprehensive, flexible, and long-term protection. Here are key features to look for:
At Least $1 Million in Liability Coverage Per Occurrence:
In today’s legal environment, million-dollar lawsuits are more common than ever. Your policy should offer a minimum of $1 million in coverage per incident to provide adequate financial protection.Coverage for Additional Wellness Services:
If you also teach yoga, lead group fitness classes, or offer other wellness services, choose a policy like My OT Insurance that includes coverage for over 500 modalities at no extra cost.Portability Across Work Locations:
Your career may take you to different employers or work settings. My OT Insurance provides coverage that follows you wherever you go, ensuring you’re protected regardless of location.Added Professional Benefits:
Look for a policy that offers more than just coverage. My OT Insurance includes access to professional resources for occupational therapists and even provides a free personal website to help you grow your practice and professional presence.Occurrence Form Coverage:
Choose a policy that includes occurrence form coverage, which protects you even after your policy expires, as long as the incident occurred during the time your policy was active. This is an important feature that many other providers do not offer.
Selecting the right occupational therapy insurance means protecting your work, your reputation, and your future. Make sure your policy fits the way you practice.
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FAQs
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.
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.
Am I a target for a lawsuit by having occupational therapy liability insurance?
Insurance contracts are private information that’s not publicized. In the event of a lawsuit, the attorney for the injured party names everyone involved in the patient’s care. They do not know who has liability insurance.
How soon will coverage go into effect?
Coverage is active immediately after payment and your Proof of Insurance will be available in your email within minutes. Click here to purchase.
