insurance for occupational therapists

why do occupational therapists need insurance?

Occupational therapy liability insurance

Please fill out the form below for a quote on liability insurance for your occupational therapy practice.

Quick Quote for Medical Malpractice Insurance


As an occupational therapist, you navigate a range of challenges in your role, working to help individuals engage in meaningful activities and occupations despite their physical, developmental, or emotional challenges.

Here are some key areas where you might encounter difficulties:

  1. Diverse Patient Needs: Each patient presents unique needs and challenges, requiring personalized treatment plans. This diversity demands a broad skill set and adaptability to effectively meet each patient’s specific requirements.
  2. Complex Conditions: Many patients have chronic or complex conditions that require long-term, multifaceted therapeutic approaches. Managing these cases can be challenging, both in terms of treatment planning and in maintaining patient motivation and engagement over time.
  3. Interdisciplinary Collaboration: Your work often involves collaboration with other healthcare professionals. Navigating these interdisciplinary relationships and coordinating care can be complex but is essential for holistic patient treatment.
  4. Regulatory Compliance: Staying abreast of and compliant with various healthcare regulations, including those related to patient privacy and safety, is a constant challenge. These regulations can vary significantly depending on your practice setting and location.
  5. Documentation and Reporting: Thorough documentation of patient progress and treatment plans is critical. This aspect of your work can be time-consuming and requires meticulous attention to detail.
  6. Reimbursement and Funding Issues: Navigating the complexities of insurance reimbursement and funding can be challenging. This includes understanding different insurance policies, coding, billing, and dealing with potential funding cuts or limitations.
  7. Technological Advancements: Keeping up with rapid technological advancements in therapeutic tools and techniques is essential. This requires continuous learning and sometimes adapting to new methods of treatment.
  8. Telehealth Services: Adapting to telehealth services, particularly accelerated by the COVID-19 pandemic, presents new challenges in delivering effective therapy remotely and managing technology-related issues.
  9. Ethical Considerations: Balancing clinical decisions within ethical and legal frameworks can sometimes present dilemmas, especially when dealing with vulnerable patient populations.
  10. Public Awareness and Advocacy: Raising awareness about the value of occupational therapy and advocating for your profession can be challenging but is crucial for expanding access to and understanding of OT services.
  11. Burnout and Self-Care: The emotionally and physically demanding nature of your work can lead to burnout. Prioritizing self-care and maintaining a work-life balance is essential for your well-being and the sustainability of your practice.
  12. Accessibility and Inclusivity: Ensuring your services are accessible and inclusive for all patients, regardless of their socioeconomic background or specific conditions, is an ongoing challenge.

As an occupational therapist, addressing these challenges is key to providing effective, patient-centered care and maintaining a fulfilling and sustainable practice.

what types of insurance do you need?

General Liability Insurance

General Liability Insurance

This is necessary for occupational therapists with their own facilities. It  covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or you could be legally responsible for.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual medical professional during their practice. It differs from General Liability insurance, which covers the practice itself. 

Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for occupational therapists who use a vehicle for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect therapy practices and their employees in case of work-related injuries or illnesses.

Telemedicine Malpractice Insurance

Telemedicine Malpractice Insurance

If you are diagnosing patients or advising them online, his protects you against liability claims that could result from tech-related activities, cybersecurity incidents, and system failures of digital healthcare provision.

Contact Michael Richards now

Michael and the team at Westwood Insurance Group specialize in sourcing the best insurance for medical professionals and facilities at competitive prices.

You can call him on the number below or fill out the form and he will get your message directly:

Michael Richards

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

please feel free to contact us 24/7


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insurance for hospitals

Hospital Insurance typically covers all or part of the potential liability for hospital services. It includes medical malpractice, accidents involving hospital employees and equipment, care during surgery or any other invasive treatment, after-hours care arrangements by staff who need help with their children and more.

insurance for long term care facilities

Long term care facilities must protect themselves against potential liability arising from incidents within their facility. Westwood can help you negotiate a package tailored to your long term care facility client.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ’s

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:


    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.