Tailored insurance for Occupational Therapists
Occupational Therapists insurance includes both Professional Indemnity and Public Liability in one policy.
Why do Occupational Therapists need Professional Indemnity insurance?
Helping your clients develop, recover, and improve their lives is all in a day’s work for an Occupational Therapist. You aim to allow people the opportunity to live full and happy lives, and this probably happens most of the time. But there are risks, and a client could claim that you made a pre-existing condition worse and that it’s negatively impacted their life. If this happens, you could be held liable and made to pay damages.
Occupational Therapy Indemnity insurance is designed to protect you if something goes wrong while you’re with a client, it includes cover against a wide range of risks like claims of professional negligence.2
If you're practising, you need Professional Indemnity insurance arrangements in place that meet the Occupational Therapy Board of Australia standard.3
Why do Occupational Therapists need Public Liability insurance?
You could be in the middle of treating an injured, ill, or disabled patient through the therapeutic use of everyday activities when a member of the public enters your premises to find out about your business. Unbeknown to you or the person, there is a magazine on the floor of the waiting room, and they slip on it, breaking a shopping bag full of crystal glasses that they just bought and twisting their ankle. This person could claim that you were responsible and seek to hold you accountable.
Occupational Therapy Liability insurance provides cover for legal liabilities if a member of the public makes a claim that they were injured, or damage was caused to their property because of your business dealings or on your premises.2