Coverage Details
Do Occupational Therapists Need Insurance?
Occupational therapists play a hands-on role in maintaining and promoting overall health. The personal interaction with patients creates a need for occupational therapists to have their own independent liability insurance.
Through continued research, My OT Insurance has created an insurance policy specifically for occupational therapists to help protect their career and financial stability in the event a claim is filed against you.
You have invested your time and money into training, education to enhance your career. A small investment now can help you in the event the unfortunate happens. LEARN MORE >
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.
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
What is Occupational Therapy Insurance?
Professional liability Insurance is made to cover your expenses and protect your assets in the event of a malpractice situation. My OT Insurance has crafted a policy that is not only economical, but also provides you with the confidence you need to further yourself and your career.
Your training, education, and experience as an occupational therapist allows you to help people to achieve their health and wellness goals. You could be putting your future finances and career at risk by practicing without individual professional liability insurance.
Whether you’re employed or self-employed with a company, My Occupational Therapist Insurance is all about providing insurance coverage that is affordable all while protecting your patients and you.
Who Needs Occupational Therapy Insurance?
Every occupational therapist should consider investing in professional liability insurance. It’s not unusual for a patient to file a claim against you, resulting in an expensive lawsuit. Having your own individual policy with My OT Insurance can help if the unfortunate happens. You will be covered if a claim is filed, and you are responsible for any of these reasons.
Compare Your Occupational Therapy Insurance Options
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?
Make sure to look for a plan with at least $1 million in liability coverage per occurrence. We live in a world where million dollar lawsuits are more common than ever before.
Whether you are an occupational therapist who teaches yoga classes at night, or leads a group fitness class on the weekends, My OT Insurance has you covered at no additional cost. My OT Insurance covers more than 350 modalities and other wellness practices.
In addition, My OT Insurance will follow you no matter where you work. So, if you are working at currently working at one location right now, you never know where your career may take you. Opportunities may arise to work at a new place which means you are covered no matter where you go.
My OT Insurance offers additional resources such as professional resources for occupational therapists and a free website. Make the most of your money and look for a plan with added benefits.
Also, consider what will happen after your insurance policy expires. If you have occurrence form coverage and any claim that is filed after your policy has expired will be covered, as long as the incident happened while your policy was still active.
In the event that an incident does arise, My OT Insurance offers all policy holders an occurrence form policy, so that you will be covered. Many other insurance companies will not cover you if a claim is filed after the policy expires.
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.
Employed
Rates for OTs working for a company
$169/yr
Self-Employed
Rates for OTs working independently
$297/yr
Student Liability Insurance
As a student, you are learning the skills you’ll need to become a professional in your field. Students 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 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.
