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.
These policies provide coverage for common risks of occupational therapy.
General liability covers basic occupational therapist risks, such as accidental client injuries. Bundle with property insurance for savings in a 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.
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.
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.
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.