Business Insurance for Occupational Therapists

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Occupational Therapist
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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.
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Insureon helps occupational therapists compare insurance quotes from top U.S. providers online. Get several quotes with one application.

What types of business insurance do occupational therapists need?

These policies provide coverage for common risks of occupational therapy.

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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.

  • Slip-and-fall accidents
  • Damaged client property
  • Libel or slander lawsuits
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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.

  • Client injuries
  • Damaged business property
  • Business interruption incidents
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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.

  • Accusations of negligence
  • Failure to deliver services
  • Therapy mistakes or oversights
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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.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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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.

  • Client notification costs
  • Fraud monitoring services
  • Data breach investigations
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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.

  • 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?

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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