Business Insurance for Occupational Therapists

Covers claims that your occupational therapy services caused harm — injuries during ADL training or therapeutic activities, failure to assess fall risk appropriately, incorrect adaptive equipment recommendations, seating and positioning errors, or therapy that a client claims worsened their function. Required by state OT licensing boards for independent practitioners and by all facilities that credential OTs as contractors.

Covers third-party bodily injury and property damage at your practice location. If a client falls during a therapy session, a child is injured during a sensory activity, or you damage property at a school or clinic, GL covers the claim. Required by commercial landlords, school districts, and healthcare facilities.

OTs maintain protected health information — evaluation reports, therapy notes, functional assessments, and insurance records. HIPAA applies to any OT who maintains electronic health records. A breach triggers mandatory notification and potential OCR investigation. Cyber liability covers breach response costs and regulatory defense.

Bundles GL + business property into one policy. Covers your adaptive equipment, sensory tools, therapy materials, assessment kits, and office furnishings. Ideal for OTs with their own private practice clinic.

OTs who provide home health services, travel between school sites, or conduct evaluations at client homes need commercial auto or hired/non-owned auto coverage. Personal auto policies exclude regular business use.