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Occupational Therapist Insurance: Cost & Quotes From $15/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. General Liability Insurance for Occupational Therapists1.1. Add-ons to General Liability Insurance for Occupational Therapists1.2. Coverage Limits of General Liability Insurance for Occupational Therapists 1.3. Can I Get Occupational Therapy Liability Insurance If I Work from Home? 2. Professional Liability Insurance for Occupational Therapists2.1. Costs Covered by Professional Liability Insurance for Occupational Therapists2.2. Add-ons to Professional Liability Insurance for Occupational Therapists 2.3. Coverage Limit of Malpractice Insurance for Occupational Therapists3. Commercial Property Insurance for Occupational Therapists3.1. Costs Covered by Commercial Property Insurance for Occupational Therapists3.2. Add-ons to Commercial Property Insurance for Occupational Therapists3.3. Coverage Limit of Commercial Property Insurance for Occupational Therapists4. Business Owner’s Policy for Occupational Therapists4.1. Costs covered by Business Owner’s Policy for Occupational Therapists4.2. Add-ons to Business Owner’s Policy for Occupational Therapists4.3. Coverage Limit of Business Owner’s Policy for Occupational Therapists4.4. What is the Difference Between a BOP and Separate Insurance Policies?5. Tools and Equipment Insurance for Occupational Therapists5.1. Costs Covered by Tools and Equipment Insurance for Occupational Therapists5.2. Coverage Limit of Tools and Equipment Insurance for Occupational Therapists 6. Commercial Auto Insurance for Occupational Therapists7. Occupational Therapy Insurance Cost8. Best Occupational Therapist Insurance Companies8.1. NEXT Occupational Therapist Insurance 8.1.1. Pros8.1.2. Cons8.2. CoverWallet Occupational Therapist Insurance 8.2.1. Pros8.2.2. Cons8.3. The Hartford Occupational Therapist Insurance 8.3.1. Pros8.3.2. Cons8.4. Tivly Occupational Therapist Insurance 8.4.1. Pros8.4.2. Cons8.5. Thimble Occupational Therapist Insurance 8.5.1. Pros8.5.2. Cons8.6. Hiscox Occupational Therapist Insurance 8.6.1. Pros8.6.2. Cons8.7. Occupational Therapy Liability Insurance AOTA 8.7.1. Pros8.7.2. Cons8.8. Proliability Occupational Therapist Insurance 8.8.1. Pros8.8.2. Cons8.9. HPSO Occupational Therapy Insurance 8.9.1. Pros8.9.2. Cons

A lot of dangerous jobs exist such as tree cutting, high-rise window cleaning, and construction. Occupational therapists help individuals recover and return to work after they experience an accident. 

Just like physical therapy, insurance is a crucial factor that cannot be ignored when it comes to occupational therapy. Occupational therapy and insurance go hand in hand, as insurance coverage provides protection and peace of mind to the therapists and their clients.

You work hard to help your clients improve their quality of life. However, no matter how careful you are, accidents can happen. That's why it's important to have the right occupational therapy insurance coverage to protect yourself and your practice. In this article, we'll go over the different types of insurance available to occupational therapists, the costs, and the best insurance companies to consider.

General Liability Insurance for Occupational Therapists


CoverWallet NEXT (Best)ThimbleHiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit $2,000,000

$1,000,000$2,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$2,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit 
$300,000/$1,000,000
$300,000$100,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


General liability insurance is basic coverage that protects you and your practice from bodily injury or property damage claims. Occupational therapy assistants (OTAs) can also benefit from liability insurance coverage as they are also involved in providing therapy services to patients

Common situations where general liability insurance for occupational therapy assistants and licensed therapists can come in handy include slip and fall accidents in your office, damage to a client's property during a therapy session, or a client getting injured during a therapy session.

Add-ons to General Liability Insurance for Occupational Therapists

Some add-ons to the general liability policy included in your occupational therapist insurance package are as follows:

  • Cyber liability coverage–Protects against data breaches and cyber-attacks

  • Product liability coverage–Protects against claims related to products you sell or use in your practice

  • Tools and equipment coverage–This add-on allows general liability insurance to grant a reimbursement in case a covered business equipment gets damaged or lost because of fire, theft, vandalism, and other covered perils 


Coverage Limits of General Liability Insurance for Occupational Therapists

Coverage limits for general liability insurance vary depending on the policy but expect at least $1 million per occurrence and $2 million aggregate. 


Can I Get Occupational Therapy Liability Insurance If I Work from Home?

Yes, you can get occupational therapy liability insurance if you work from home as an occupational therapist. Many insurance providers offer coverage for home-based businesses, including those in the healthcare industry. However, it's important to check with your insurance provider to ensure that your specific work-from-home situation is covered under the policy.


Professional Liability Insurance for Occupational Therapists


CoverWallet NEXTThimble (Best)HiscoxThe Hartford
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo
HIPAA coverage included?NoNoNoNoNo
Sexual misconduct coverage included?NoNoNoNoCan be included
License defense coverage included?NoNoNoNoCan be included
Deductible $500$500$500$50/$10,000$500


Professional liability insurance, also known as occupational therapy malpractice insurance provides coverage for claims made against therapists due to alleged negligence or errors while providing therapy services.


Costs Covered by Professional Liability Insurance for Occupational Therapists

The costs covered by professional liability insurance for occupational therapists include legal fees, court costs, and settlement or judgment amounts up to the policy limit. It may also cover the costs of disciplinary proceedings by a state licensing board or professional association. However, coverage may vary between insurance providers, so it's important to read and understand the policy before purchasing.


Add-ons to Professional Liability Insurance for Occupational Therapists

Add-ons to professional liability insurance for occupational therapy may include:

  • License defense coverage–This grants coverage for legal costs in case licensing boards decide to conduct an investigation following a malpractice claim against your services

  • Sexual abuse and molestation coverage–Sexual abuse and molestation coverage grants coverage for legal expenses if you’re accused of harassment, assault, and other related acts 

  • HIPAA coverage–This add-on allows professional liability insurance to cover claims filed because you allegedly committed violations of the HIPAA act


Coverage Limit of Malpractice Insurance for Occupational Therapists

Some policies have limits as low as $100,000 per occurrence and $300,000 aggregate, while others may provide coverage up to $1 million or more.

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Commercial Property Insurance for Occupational Therapists


CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Building coverage limit (minimum)$50,000$260,000$25,000/$500,000$25,000$60,000
Contents coverage limit (minimum)$50,000$22,000$25,000/$500,000$25,000$60,000
Outdoor signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


Commercial property insurance is an insurance policy that provides coverage for occupational therapists' business property, such as buildings and equipment in case of damage or loss due to unforeseen events such as fire, theft, volcanic action, lightning, sinkhole collapse, aircraft, winds, and other covered perils.


Costs Covered by Commercial Property Insurance for Occupational Therapists

The costs covered by commercial property insurance for occupational therapists typically include: 

  • Repairs or replacement of damaged or lost property

  • The cost of temporarily relocating the business during repairs

  • Lost income during the period of repair or replacement


Add-ons to Commercial Property Insurance for Occupational Therapists

Add-ons to commercial property insurance for occupational therapists may include

  • Business interruption coverage–Provides coverage for lost income and ongoing expenses during a period of business interruption due to a covered loss

  • Equipment breakdown coverage–Covers the cost of repairing or replacing damaged equipment due to mechanical or electrical breakdowns


Coverage Limit of Commercial Property Insurance for Occupational Therapists

The coverage limit of commercial property insurance for occupational therapists typically ranges from $50, 000 to $500,000 or even more.