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.
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’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.
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.
What isn’t covered?
How do I file a claim?
Check your certificate of insurance for claims information. Or you can call us at 8009011439.
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.
I lost my proof of coverage, how do I get another one?
Log into your customer portal, download, save, and print a new proof of insurance at no cost.
Can I cancel my policy or get a refund?
There are no refunds or cancellations.
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
Additional Insured
Aggregate Limit
Broker
Claims-Made
Deductible
General Liability
Identity Theft Protection
Individual Aggregate Limit
Occurrence Form
Product Liability
Professional Liability
Qualifying Event
Rental Damage Insurance
Shared Aggregate Limit
Stolen Equipment Insurance
Underwriter
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SELF-EMPLOYED
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