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 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.