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
FAQ_category: (HIDDEN) Industry FAQs
On average, occupational therapists 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.
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
Yes, professional liability is a must-have for any therapist or counselor. It protects you if a client claims that your counseling caused:
- Emotional distress or harm
- Misdiagnosis or failure to diagnose
- Breach of confidentiality
- Improper treatment methods
Even if a claim has no merit, defense costs can be significant. Professional liability ensures you’re not paying legal fees out of pocket and helps protect your reputation and livelihood.
Yes! If you include the right coverage.
- Professional liability policies typically extend to telehealth services, but you’ll want to confirm that your insurer lists teletherapy, online counseling, or virtual care within your covered services.
- Cyber liability coverage is especially important here, as the U.S. Department of Health and Human Services (HHS) notes that HIPAA security standards apply to online platforms just as they do to in-person care.