Business Insurance for Occupational Therapists

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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.

Occupational therapist speaking with female client.

One application, multiple quotes

Insureon helps occupational therapists compare insurance quotes from top U.S. carriers online. It’s free, and only takes 15 minutes.

What types of 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 BOP bundles property insurance and general liability insurance in one plan. It's often one of the most cost-effective types of commercial insurance for occupational therapists.

BEST FOR

Client injuries
Damaged business property
Business interruption incidents

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for occupational therapy businesses that have employees. It can cover medical costs for work-related injuries.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Professional liability insurance

Professional liability insurance, also called occupational therapy malpractice insurance, can cover legal expenses if a therapist is sued for unsatisfactory work, such as failure to teach a patient how to use a prosthetic.

BEST FOR

Accusations of negligence
Failure to deliver services
Therapy mistakes or oversights

Looking for different coverage? See more policies.

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

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What our customers are saying

"Denise Smith is a breath of fresh air. I loved every second dealing with her. And, yes, I'm talking about buying insurance. Most people don't love that, but Denise made the experience exceptional. She is a rock star!"

Kristine W.

Food products manufacturing

Why do occupational therapists need 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.

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