Occupational Therapist Liability Insurance Tailored for Your Practice 
What type of insurance does an occupational therapist need?
Get Comprehensive Occupational Therapist Insurance Options For Safe, Confident Care
Helping clients regain independence through hands-on therapy carries both physical and professional risk. Occupational therapist liability insurance protects you against claims related to accidental injury, negligence, or treatment disputes. Whether you work in a clinic, school, or home setting, the right occupational therapist insurance ensures your practice stays protected while you focus on patient progress.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Are The Kinds Of Occupational Therapist Insurance?
Occupational therapist insurance includes a range of coverages designed to protect your business from common risks such as third-party injuries, property damage, and legal fees.
Key types of occupational therapist insurance to consider for your practice include:
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General Liability Insurance – Covers third-party bodily injury or property damage claims.
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Professional Liability Insurance (malpractice) – Protects against negligence claims or unsatisfactory service disputes.
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Cyber Liability Insurance – Essential for coaches handling client data online, protecting against breaches and cyberattacks.
- Business Owners Policy– General liability and business equipment coverage all in one.
- Business Income Interruption – Helps replace lost income and cover ongoing expenses if your operations are temporarily halted due to a covered event
Do You Need Occupational Therapist Insurance?
Yes! Every session, consultation, and client interaction carries risk. Occupational therapist liability insurance is essential protection for:
- Advice-Related Lawsuits – Clients may claim they suffered harm or financial loss as a result of your coaching guidance.
- Negligence Claims – You could be sued if a client believes you failed to meet professional standards or expectations.
- Licensing Requirements – Even if your state does not require a license, having insurance adds an extra layer of professional protection.
- Business Operations – Insurance helps safeguard your reputation, finances, and long-term success.
What Determines the Cost of Occupational Therapist Liability Insurance?
Occupational therapist liability insurance costs vary depending on several key factors, including:
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Coverage Type
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Business Size & Location
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Claims History
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Coverage Limits & Deductibles
The best way to find your occupational therapist insurance cost is to get a free, online quote in minutes!
How To Get The Best Occupational Therapist Liability Insurance With Gild?
At Gild, we focus exclusively on small businesses. That means every policy, recommendation, and conversation is tailored to the unique needs of business owners like you. Our goal is to make insurance simple, affordable, and effective so you can focus on growing your wellness business with confidence.
Here’s how to get the best occupational therapist liability insurance with us:
- Hassle Free: Get your free, online quote in minutes!
- Tailored Coverage: We design policies specifically for small businesses, whether you operate remotely or manage a small team.
- Affordable Protection: We compare options from top carriers to deliver comprehensive coverage options that fits your budget.
- Small Business Expertise: Because we only insure small businesses, we understand your challenges and build solutions that truly protect you.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Occupational Therapist Liability Insurance Today!
Don’t wait for an unexpected incident to put your therapy practice at risk. With occupational therapist liability insurance from Gild, you get more than a policy. You get a partner who understands the work you do and helps protect your practice so you can focus on empowering others.
Frequently Asked Questions
Occupational therapists often carry several types of coverage to stay protected:
- Professional liability – covers claims of negligence, malpractice, or improper treatment methods
- General liability – protects against third-party injuries like slip-and-falls in your office
- Business property coverage – insures therapy tools, office equipment, and furniture
- Workers’ compensation – required if you employ staff, covering on-the-job injuries
- Cyber liability – safeguards electronic records and HIPAA compliance
Do I really need professional liability insurance as an occupational therapist?
Yes! Even with proper training and care, risks exist in therapy settings. Professional liability insurance helps protect against:
- Legal defense costs if a client sues
- Claims of negligence, misdiagnosis, or improper treatment
- Alleged breaches of confidentiality
- Reputation damage tied to client disputes
How much does occupational therapist liability insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does occupational therapist liability insurance cover services provides in clients’ homes, schools, or rehab centers?
Yes. Most professional liability policies for occupational therapists extend coverage to a variety of settings, including:
- Private offices or clinics
- Clients’ homes
- Schools
- Rehabilitation or nursing facilities
Let's Get The Best Insurance For Your Practice Today!
Get Covered
