Professional Liability Insurance for Occupational Therapists
Affordable occupational therapist insurance starting at $7.41/Month (paid annually). Policy options include full-time & assistant options in addition to self employed rates & employed rates.
24/7 Portable Coverage Including Telehealth
Occurrence-form coverage, Industry Preferred
Safe and secure online checkout In Minutes
500+ modalities covered including yoga, massage and more
How Much Does Occupational Therapist Insurance Cost?
At most insurance companies the cost of insurance for occupational therapist depends on several factors, including if they are a full-time employee or an an assistant. At NACAMS, we provide upfront pricing so our customers can make an informed decision without the hassle of quotes or needing to add expensive additional coverages. Get what you need under one easy checkout process.
Assistant
Starting at
$89
Self Employed
Starting at
$249
Employed
Starting at
$169
Why Do OT's Need Insurance?
Occupational Therapists work one on one with patients to maintain and promote overall health. It is because of this hands on nature of the business that occupational therapists are open to lawsuits against them even if they work for a reputable company or healthcare provider.
In addition to liability lawsuits, Occupational Therapist Insurance provides general liability coverage also known as slip and fall insurance. If a client injures themselves during their visit, you could be liable for providing an unsafe environment leading you to file a claim. NACAMS offers industry leading occupational therapist insurance for both employed and self-employed at the most affordable rate.
Comprehensive Coverage for Occupational Therapists:
Physical therapists may accidently contribute to harm or injury to a client. This would be considered malpractice leaving the instructor held liable. Professional liability insurance can help cover legal expenses and potential settlements in such cases, with coverage options up to $2 million per claim.
In many office environments, there's a risk of clients slipping, tripping, or falling, potentially leading to injuries. Physical therapy insurance provides general liability coverage in case a client is injured due to such incidents while they are in your care. For example, if a client falls off a stationary bike under your care, you may face potential lawsuits with hefty fees.
Liability insurance can help protect instructors if a client experiences negative consequences from a product used in the office e.g. cleaning products. Within professional & general liability insurance, we can help cover medical costs if someone were to sue due to an allergic reaction.
In today's digital age, personal information security is paramount. NACAMS physical therapy insurance provides coverage for identity protection, safeguarding you from the consequences of identity theft. Should your personal information be compromised, leading to fraudulent activities or financial loss, this coverage steps in to offer financial assistance and support to help restore your identity and mitigate the resulting damages.
Therapists might communicate their practices through various channels, including online platforms. If a teacher's statements about their training or services are perceived as libelous or slanderous by a client, fellow student, or instructor, liability insurance can offer protection against potential legal claims.
What Does A NACAMS Policy Include?
While other insurance providers may charge extra for additional coverage, NACAMS includes everything in a single policy. In other words, your policy runs the gamut of protective liability coverage. Liability insurance is an investment every professional should make to keep their financial assets protected.
What Is The Difference Between Claims Made And Occurrence Form Coverage ?
Understanding occurrence and claims made coverage can significantly impact how and when you're able to report a claim on your liability insurance. Understanding the nuances of each type can help you make an informed decision about which is right for you.
What is Claims Made Coverage?
Claims made coverage allows you to report claims only while your policy is active. This means if an incident occurs within the policy period, you must also report the claim while the policy is in force. For example, if you let your policy lapse and months later face a lawsuit for an event during the coverage period, the policy won't cover you unless you’ve purchased an Extended Reporting Endorsement, commonly referred to as "Tail Coverage." This endorsement allows you to file claims even after the policy has expired, offering some additional protection.
What is Occurrence Coverage?
Occurrence form coverage provides a broader scope of protection. It covers any incidents that happen during the policy period, regardless of when the claim is filed. This means you're protected for incidents that arise while the policy is active, even if they are reported years later. Essentially, it includes built-in tail coverage, offering peace of mind without the need for an extra purchase.
Key Considerations for Choosing Coverage:
- Claims Reporting: Consider how likely it is for claims to be reported after the policy period ends. If your profession is prone to delayed claims, occurrence coverage might be more suitable.
- Policy Costs: Typically, claims made coverage starts cheaper but can grow more expensive over time, especially with tail coverage. Occurrence policies often have a consistent premium, reflecting their extended protection.
- Long-term Needs: If you anticipate business changes, like retiring or switching professions, occurrence policies might provide more long-term security without needing to manage additional endorsements.
NACAMS liability insurance policy is occurrence form, the industry's top choice for long term peace of mind.
Over 500+ Services Included
Days in the office are everchanging and include more modalities than ones commonly used as examples describing occupational therapy. NACAMS covers over 500 modalities under one policy, making out liability insurance the most comprehensive & affordable on the market. If you've learned a new skill, there's no need to get a new policy because it’s likely already covered. In fact, we encourage our members to broaden their horizons and take on new skills and endeavors.
- Massage
- Yoga
- Cosmetologists
Aerobics
Apparatus (Pilates)
Aqua Fit
Aquatic
Barre
Biodanza
Body Beast
Cardio
CardioCore
Children's Fitness
Circuit Training
Cize
Cross Training
Curves
Dance Instruction
Dancercize
Exercise
Group Fitness
Gyrotonic
Instruction (Pilates)
Kickboxing (non-contact)
Les Mils Programs
Mat (Pilates)
P90X
Personal Training
Pilates
Pilates- Apparatus
Pilates- Instruction
Pilates-Mat
Spinning
Interplay Movement
Occupational Therapy
Occupational Therapy Assistants
Physical Therapy
Physical Therapy Assistants
Zero Balancing
Why Should You Choose
Occupational Therapy Insurance From NACAMS?
With the comprehensive coverage, outstanding price, and reliability NACAMS brings to the table, we believe we offer one of the best policies out there. But we think our members actually have said it best. We’re proud our members have given us an “excellent” rating on Trustpilot. Here's what real members say about their NACAMS experience:
Included Member Benefits
But wait, there's more! With NACAMS, you get access to exclusive member benefits that will make your journey even more rewarding.
Portable Coverage
Plus, our student insurance covers you not only during your school activities but also during in-clinic and outreach programs. It's like having a safety net supporting you every step of the way.
Immediate Annual Policy
In under 5 minutes, purchase a policy at $179 once per year to protect your financial and personal assets.
What Is Occupational Therapy?
Occupational Therapy (OT) is designed to help people across their lifetime participate in the things they want and need to do through the therapeutic use of everyday activities (occupations). Occupational therapists play a hands-on role in maintaining and promoting overall health. They hold a holistic perspective which allows them to put the focus on adapting the environment to fit the person and that person becomes an integral part of the therapy team.
Occupational therapy services can be broken down into three sections:
- Individual evaluation where the client/family and occupational therapist determine the induvial goals
- Customized intervention with the goal to improve the individual’s ability to perform daily actives and reach their goals
- Outcomes evaluation to ensure that the goals are being met and/or make changes to the intervention plan
OT services may include comprehensive evaluations of the client’s home and other environments (e.g., workplace, school), recommendations for adaptive equipment and training in its use, and guidance and education for family members and caregivers.
OT's are also involved in helping children with disabilities be able to partake fully in school and social situations, helping people recover from injury to regain their skills, and working with individuals in their homes, businesses, and nursing homes. Occupational therapists help patients with traumatic injuries, stroke, Alzheimer’s disease, or mental health problems, learn to live productive lives using meaningful occupations.
Get Insured in Under 5 Minutes!
What Is The Best Occupational Therapy Liability Insurance?
NACAMS is rated excellent by independent review site Trustpilot and backed by Arthur J. Gallagher & Co. the 3rd largest brokerage in the world. This policy is the best option for therapists looking for comprehensive occupational therapy insurance offering professional and general liability insurance + coverage for things like identity theft, allergic reactions, and slander, all for one low annual cost. Buy a policy.
Frequently Asked Questions
In today's competitive market, liability insurance plans for occupational therapists can be costly. However, we promise to keep our prices competitive to provide comprehensive coverage at a rate your budget will love. For our occupational therapist liability insurance plan, we offer multiple options to secure the best coverage for your needs and your budget. Starting at as low as $89/Year for employed assistants.
Occupational therapy liability insurance covers a wide range of incidents, modalities, and coverage needs within the profession. Our plan is designed to protect against many of the common risks and liabilities an occupational therapist may encounter throughout their career. We make a point to provide well-rounded coverage with hundreds of modalities and comprehensive protection, including:
- Professional liability coverage
- General liability coverage
- Personal injury liability protection
- Advertising injury protection
- Identity theft protection plan
Our occupational therapy insurance plan provides the confidence and reliability professionals need to thrive. We recommend carefully considering the coverage you need and your personal budget when selecting an insurance policy.
Every occupational therapist will have their own coverage needs regarding liability insurance. Certain situations demand unique coverage solutions, so be diligent when determining what insurance you personally need. In general, most occupational therapists need a well-rounded blend of coverage categories including:
- Professional: Professional liability coverage to protect against occupation-specific incidents, like negligence or malpractice suits.
- General: General liability protects against universal risks, like slips and falls
Our occupational therapist liability insurance plan considers the most common risks to occupational therapists and builds a hedge of protection around our members’ careers.
Yes, your insurance policy goes with you when you move offices or states! While you don’t have to sweat the coverage traveling with you, you will need to note additional business in your policy if you frequently move between new places. If you begin a new job, you don’t have to start the entire application process again. Simply contact our team to let us know about the change.
We strive to make it simple for our policyholders. When you sign up for a year or two of coverage, you have that coverage no matter where you go within the United States. Your career is not limited by state or your current job.
The "per occurrence" limit is the maximum amount your insurance provider will cover for a single incident or claim within the policy duration. On the other hand, the "aggregate" limit refers to the total amount the insurer will pay out across multiple claims during a single policy term, typically a year.
Yes, you can add additional insured to your liability policy. This flexibility is available both when you first purchase the policy and any time afterward. Whether you're in the process of obtaining new coverage or already have a policy in place, adding additional parties is straightforward and can be tailored to your needs.
If you need to add an additional insured post purchase please call (888) 963-1472
Unlike claims made insurance, which requires a claim to be filed within the policy term, occurrence form coverage does not require a claim to be made within the policy term. So long as an incident occurs within the policy life, an occurrence form policy could still be eligible for coverage.
Whether you stick with NACAMS for your whole career or find coverage elsewhere, your occurrence form protection carries over for incidents that took place while your policy was in effect. With peace of mind that we've got you covered, there's nothing to stress about with your policy.
If you're ready to take the next step in your physical therapy career, our team is here to help. Whether you complete an online registration or call an agent with more questions, we'll guide you through the ins and outs of your policy.
Purchase physical therapist liability coverage online today and experience the peace of mind that comes with comprehensive protection.
We offer coverage for hundreds of modalities within one policy. We know OTs may practice multiple modalities or wish to expand their knowledge throughout their career. So, when you learn a new skill, there's no need to worry about your insurance coverage because it's generally already included. Check out our full list of covered modalities and methods for new possibilities.
While every occupational therapist will have specific requirements and budget restraints, finding a good value for liability coverage is a high priority for many wellness professionals. We recommend doing your research and finding a plan that meets your needs for coverage, cost, and benefits.
To maximize value, occupational therapists should look for a policy that includes multiple facets of coverage, offering affordable premiums, reliable coverage, and solid member benefits. A good practice is to compare a few policies before selecting the one that best suits your needs. If you have any questions about occupational therapy insurance, contact our team to help with any inquiries you may have. We're happy to help with whatever you need.
Most definitely! NACAMS offers portable coverage that travels with you no matter where you go. Your policy covers you personally as an occupational therapist and is not tied to your employer. This type of insurance gives more wiggle room for occupational therapists who may travel or work in multiple locations.
When you transition to a new office or Rehabilitation center, your portable coverage travels with you. However, we recommend checking your state guidelines if you're traveling across state lines to seek new opportunities.
While we occasionally offer promotional pricing, the most cost-effective way to purchase a policy is to select the two-year plan option. The two-year option is great for professionals seeking a way to map out their costs and save on insurance by budgeting early.
With a two-year plan, occupational therapists are able to lock down a lower rate by paying for two years up front. Keep in mind, we also offer a student rate at a steep discount to help the next generation of occupational therapists start training on the right foot.
At NACAMS, we are all about the perks and benefits for our policyholders. We offer an impressive lineup of exclusive member benefits to provide next-level value in each one of our plans. From access to affordable health insurance plans, discounts on everyday expenses, and occupation-specific perks, we find the top benefits for our policyholders. Members can enjoy exclusive discounts on the products and services they use every day in their work and personal lives.
In this continually-curated benefits package, you’ll also find additional business support, mental health aid, and a free professional website. As a member, you will enjoy access to your benefits from the moment you purchase a policy.
Yes. Accidents and unfortunate circumstances may occur while you're still honing your craft and developing your skills as an occupational therapist student. Even as a student, you could be held liable for any harm or injuries others encounter while under your care. That's why protecting yourself with occupational therapy practitioner’s insurance is essential.
Empowering the next generation, we offer students a significant discount for outstanding coverage. Students receive the same protections as our professional policies at a price that is student-friendly. Your student policy covers 12 months of liability insurance while in training, giving you peace of mind. If you're an occupational therapist student, purchase student liability coverage today.Liability insurance requirements for occupational therapists can vary by state. While many states may not legally require you to maintain liability coverage, it could be essential for many therapists. Occupational therapist liability insurance can help protect you when something goes wrong with the patient, or you are accused of causing harm to a client or even another’s reputation. You'll want to have as much protection from a liability lawsuit as possible when an incident happens.
Although having occupational therapy insurance may not be a legal requirement in some states, it's essential to know your state's laws and regulations. Many rehabilitation facilities also require therapists to hold liability coverage as a prerequisite for employment. Uninsured therapists may find it challenging to maintain a position within a larger organization and are assuming a large degree of risk.
Occupational therapists can face any variety of unforeseen circumstances that could result in a liability suit. However, accidents generally fall within two broad categories of insurance: general and professional liability coverage.
General liability claims are those that involve an accident occurring at your place of business. General liability insurance is also called “slip and fall” coverage because those are unfortunately the most common type of accident that occurs. Professional liability claims relate to an injury to someone under your care. You may have heard this coverage called “malpractice” insurance, which is where someone asserts that your care caused them harm in some way.