Even in the safest therapy practice, accidents happen. A patient with a disability could slip in your office, or claim that your advice worsened their condition. Occupational therapist insurance gives you peace of mind and can help pay for legal fees, medical payments, and costly repairs.
Occupational therapists can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
These insurance policies cover common risks of occupational therapy.
General liability insurance coverage is often required for a commercial lease. It covers basic risks of working with clients, such as a slip-and-fall injury at your occupational therapy clinic.
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.
Professional liability insurance covers legal defense costs from work mistakes. It's sometimes called occupational therapy malpractice insurance or errors and omissions insurance (E&O).
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.
This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for occupational therapy practices that store personal information.
Commercial auto insurance covers the cost of an accident involving a vehicle owned by an occupational therapy clinic. Most states require this coverage for vehicles owned by a business.
A healthcare professional who works independently can expect to pay less for insurance than a larger practice.
Factors that affect premiums include:
It's easy to get occupational therapy business insurance if you have your company information on hand. Our application will ask for basic facts about your practice, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your private practice, whether you work independently or hire employees.