Frequently Asked Questions
These frequently asked questions (FAQs) are designed to provide a better understanding of occupational therapist insurance through My OT Therapist Insurance policies and member benefits.
If you can’t find the answer you’re looking for, contact us.
Why Do I Need Professional Liability Insurance if I work for an employer?
Although you work for an employer, you may need individual insurance for a few reasons.
A patient can file a claim directly against you as the individual, blame may be transferred to you, both you and your employer can have shared the blame, or your employer is not properly insured.
Having your own individual policy with My OT Insurance can help if any of these situations happen. If a claim is filed, and you are responsible for any of these reasons, you will have peace of mind knowing you are covered.
How do I file a claim?
Contact our Operations Team at sarasota.bsd.operations@ajg.com to file a claim. Our team will verify your coverage and ask you to complete a Claim Summary Form along with additional supporting documents that may be required depending on your situation. You will get guidance from our team through the process and update you on any next steps.
What’s the difference between Occurrence Form Coverage and Claims-Made Coverage?
Occurrence Form Coverage. 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. 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.
Are monthly payments available?
Yes, MyOT offers monthly payment options through PayPal’s Pay Monthly credit program. The program allows you to split the total cost of your policy with a small service fee, into smaller payments over time. Please note that PayPal’s Pay Monthly option requires a credit check, and there is no interest if you pay off your balance within the first 6 months but interest fees may apply after 6 months. We recommend paying in full upfront to avoid the need for a credit check and possible extra fees.
Is the policy in my name or my business' name?
It must be in the practitioner’s name. However, if you’re a sole proprietor, your business name will be covered. If you have a corporation, partnership, or work for a franchise, the business may be added as an additional insured.
Can I cancel my policy or get a refund?
There are no refunds or cancellations.
Where am I covered?
Your insurance policy covers you in all 50 United States. US territories, such as Puerto Rico, are not included in the coverage. Countries outside of the United States, such as Canada, are also not included.
Can I buy now but have my policy start later?
Yes, you can purchase your policy from MyOT at any time and select a start date up to three months (90 days) in advance. For example, if you buy your policy on April 1st but want coverage to begin on July 3rd, you can set July 3rd as the start date during checkout
Am I a target for a lawsuit by having occupational therapy liability insurance?
In the event of a lawsuit, the attorney for the injured party names everyone involved in the patients care. They do not know who has liability insurance. Insurance contracts are private information that’s not publicized.
What isn’t covered?
I provide services at my office and in clients' home; am I covered for both?
Yes, MyOT covers you whether you’re working at your office or in a client’s home. Our policy is designed to follow you wherever you practice, provided you comply with local and state regulations. Your coverage is valid in all 50 states at no additional cost.
How do I add an additional insured?
To add an additional insured to your NACAMS policy, please contact us at 800-964-0158.
How do I access my certificate of insurance?
Log in to your MyOT member portal and using the top left-hand menu select ‘Certificate of Insurance’ where you can access and download a copy. If you prefer, you can call us at 800-901-1439, and we’ll send a copy of your COI directly to your email.
How soon will coverage go into effect?
Coverage is immediate and your Proof of Insurance will be available in your email within minutes. Click here to purchase.
Which states am I covered?
All 50 United States (U.S. Territories not included).
Does my policy cover medical expense claims?
The general liability portion of your policy covers medical expenses. The general liability policy limits apply.
Glossary Of Terms
Employed
Rates for OTs working for a company
$169/yr
Self-Employed
Rates for OTs working independently
$297/yr
Contact MyOT Insurance
Liability Insurance for Occupational Therapists
Have a question not answered by one of our FAQs? Complete the form below or speak with a licensed occupational therapist insurance representative at 1 (800) 901-1439.
