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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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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
Professional liability / medical malpractice
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
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
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
- Data breach investigations
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.
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?
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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