Business Insurance for Occupational Therapists

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Occupational Therapist

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Save money by comparing insurance quotes for occupational therapists

Working with ill, injured, or disabled patients exposes therapists to malpractice claims and other costly risks. Occupational therapy insurance can offer an affordable business protection plan.

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Insureon helps occupational therapists compare insurance quotes from top U.S. providers online. Get several quotes with one application.

What types of business insurance do occupational therapists need?

These policies provide coverage for common risks of occupational therapy.

General liability insurance

General liability covers basic occupational therapist risks, such as accidental client injuries. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Damaged client property
Libel or slander lawsuits

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for occupational therapists to buy general liability coverage and commercial property insurance together.

BEST FOR

Client injuries
Damaged business property
Business interruption incidents

Workers’ compensation insurance

Most states require workers' comp for occupational therapy businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Professional liability insurance

This policy is also called occupational therapy malpractice insurance. It covers legal expenses for work mistakes, such as failure to teach a patient how to use a prosthetic correctly.

BEST FOR

Accusations of negligence
Failure to deliver services
Therapy mistakes or oversights

Looking for different coverage? See more policies.

Why do occupational therapists need business insurance?

Occupational therapists employ therapeutic activities to treat patients with mental, physical, and developmental conditions. Even in the safest therapy practice, accidents happen. Occupational therapist insurance can cover the cost of client lawsuits, injuries, and other common risks.

How much does insurance cost for therapy and counseling professionals?

Therapist calculating insurance costs with dollar sign in thought bubble over her head.

Several factors will have an impact on insurance costs, including:

Therapy and counseling services offered
Business equipment and property
Revenue
Location
Number of employees

View Costs

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