Occupational Therapist Liability Insurance
All-inclusive Affordable Insurance Designed for OTs
- Professional & General Liability: $1 Million per Occurrence / $3 Million per Year
- Personal Injury & Advertising Injury: $2 Million
- Identity Protection: $25,000
Employed
Rates for OTs working for a company
$169/yr
Self-Employed
Rates for OTs working independently
$297/yr
Quick & Easy Process
Takes Less Than 5 Minutes With No Quote Process!
Fill Out Application
Confirm Coverage
Instant Coverage & COI
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!
Why Choose My OT Insurance?
MyOT Insurance is tailored, and affordable coverage that provides peace of mind and protection for your OT career.
Mobile Coverage
Your personal insurance coverage follows you wherever you work in the US. In all 50 states!
Backed by Industry Leaders
We are backed by Gallagher, the 3rd largest brokerage company in the world.
Identity Theft Protection
Included in every policy is identity theft protection to keep you safe in the online landscape.
All-inclusive
All the coverages we have listed are included in each policy, no add of fees or coverages.
Why Employed Occupational Therapists Need Individual Insurance
Even if your employer offers insurance, you might still face risks. Occupational Therapy involves personal interactions with clients, which could expose you to potential lawsuits that your employer’s policy might not cover. Responsibility for care could shift from the employer to you personally. In some cases, both the individual therapist and the employer could be held separately liable, potentially leaving you uncovered. Don’t depend on someone else to secure insurance for you. Protect your career with your own coverage from MyOT Insurance.
Why Self-Employed Occupational Therapists Need Insurance
As a self-employed occupational therapist, you engage in personal interactions with clients, which can expose you to potential lawsuits that might affect both your business and your career. To address these risks, MyOT Insurance has developed an affordable policy designed to give you the peace of mind you need. Your education, training, and experience are valuable, and they shouldn’t be jeopardized. Let MyOT Insurance provide the coverage you need to safeguard your career.
Coverage For All Occupational Therapy Specialties
No matter what you specialize in, MyOT Insurance provides coverage for all occupational Therapy Specialties
Pediatric
Gerontology
School Systems
Low Vision
Mental Health
Physical Rehabilitation
Geriatric
Neurological
Hand
Customer Testimonials
Switching to MyOT Insurance was the best decision. They offer coverage tailored for Occupational Therapists, and their customer service is excellent. I highly recommend them!
As an independent Occupational Therapist, MyOT Insurance has been a game-changer for my practice. Their coverage options are comprehensive, and the team truly understands the unique risks we face in our profession. I can focus on my clients, knowing I'm fully protected.
I shopped around, and MyOT Insurance offered the most comprehensive coverage at a lower cost. They truly provide the best value for Occupational Therapists. Highly recommend!
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 liability insurance for OTs?
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.
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.
What’s the difference between Occurrence Form Coverage and Claims-Made Coverage?
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.
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.
