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
