Occupational Therapy Liability

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What Is Occupational Therapy Liability Insurance?

occupational therapy liability insuranceProfessional liability insurance for occupational therapists helps protect businesses from lawsuits related to the professional services given. This type of occupational therapy liability insurance can help cover liability issues in occupational therapy (OT) from claims like:
  • Negligence
  • Inaccurate advice
  • Misrepresentation
You may have heard other names for professional liability insurance, como por ejemplo:
  • Errors and omissions insurance
  • E&O insurance
  • Medical malpractice insurance

Do Occupational Therapists Need Malpractice Insurance?

Some states may require occupational therapists to have professional liability insurance. Because laws vary for healthcare professionals, it’s a good idea to check if your business is required to carry occupational therapy liability insurance where you live.
Even if it’s not required, it’s still a good idea to have professional liability insurance for occupational therapists. It can give you peace of mind to know you have OT insurance coverage to help protect you from lawsuits. Mistakes can happen, and if they cause your patient financial loss, they can sue your occupational therapy business.
Even if you don’t make a mistake in your professional services, a patient can still sue you. Without occupational therapy liability insurance, you’d have to pay for certain liability claims out of pocket, which can get expensive and put your business at risk.

Liability Issues in Occupational Therapy

Occupational therapy liability insurance can help your small business if:
  • A patient sues after your occupational therapist's treatment plan makes their injury worse
  • You get sued because you tell a patient that you know how to treat their injury but they don't improve
  • Your occupational therapy business loses a patient's health records and they sue your company
  • You have to attend a deposition after a patient files a lawsuit claiming your treatment hurt them

What Other Kinds of Insurance Do Occupational Therapists Need?

Remember, occupational therapy liability insurance doesn’t cover all liability issues in occupational therapy. That’s why it’s important to get other types of business liability coverages so your small business has well-rounded coverage.
Other kinds of liability coverages that occupational therapists may need include:
General liability insurance to help protect your business from covered claims of:
  • Lesiones corporales
  • Property damage to someone else’s belongings
  • Personal injury, like libel or slander
Workers’ compensation insurance to help your employees recover from a work-related injury or illness. This liability insurance coverage provides benefits that can help:
  • Medical payments and expenses
  • Lost wages if they need to miss work
  • Disability benefits if a work injury or illness leaves them temporarily or permanently disabled
Commercial property insurance to help protect the owned or rented building and equipment you use to operate your business. This includes:
  • Treatment tables
  • Workstations
  • Weights
  • Bands
  • Computers
  • Walkers
  • Standers
Data breach insurance to help your business respond to a breach if it loses personally identifiable information or health records. Some insurance partners call this coverage cyber liability insurance. This can help pay for you to:
  • Notify affected patients
  • Create a public relations campaign to improve your occupational therapy business’ reputation
  • Offer credit monitoring services

What Is the Average Cost of Occupational Therapy Liability Insurance for Healthcare Professionals?

The average cost of professional liability insurance for occupational therapy businesses can range between $100 and $1,000. Every business is unique, which means business owners will pay different rates. An insurance company uses different factors to determine costs, including the business’:
  • Years of experience
  • Claims history
  • Lugar
  • Límites de la cobertura
  • Monto deducible
The best way to find out how much professional liability insurance will cost your occupational therapy business is to obtener una cotización.

Get a Free Quote for Occupational Therapy Liability Insurance

liability issues in occupational therapyYou need an experienced insurance partner to help protect your business. We have over 200 years of experience and can help your occupational therapy business get the liability insurance coverage it needs. Our specialists know that your business faces unique liability issues in occupational therapy and they make it their job to help you create an insurance policy that’s specific to your small business.
Whether you have questions about professional liability insurance or need help with a covered claim, we’ve got your back.
Get a free cita for occupational therapy liability insurance today.
Última actualización: 10 de junio de 2022
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