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Business Insurance for Occupational Therapists
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Occupational Therapist
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Why do occupational therapists need business insurance?
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.
Find affordable coverage
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.
What types of business insurance do occupational therapists need?
These insurance policies cover common risks of occupational therapy.
General liability insurance
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.
BEST FOR
- Accidental bodily injuries
- Accidents that damage client property
- Libel and 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
- Stolen or damaged business property
- Business interruption incidents
Professional liability / medical malpractice
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).
BEST FOR
- Advice that causes harm
- Accusations of negligence
- Mistakes made by a therapist
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
- Disability benefits
- Lawsuits from employee injuries
Cyber liability insurance
This policy covers financial losses from data breaches and cyberattacks. It's strongly recommended for occupational therapy practices that store personal information.
BEST FOR
- Client notification costs
- Fraud monitoring services
- Cyber extortion reimbursement
Commercial auto insurance
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.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does insurance cost for therapy and counseling professionals?
A healthcare professional who works independently can expect to pay less for insurance than a larger practice.
Factors that affect premiums include:
- Wellness services offered, such as telehealth therapy
- Business property and equipment
- Business income
- Type of policy purchased
- Deductibles
- Aggregate and per-occurrence liability limits
How do I get occupational therapist business insurance?
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
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.
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