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Occupational Therapy Professional Liability Insurancce

As an occupational therapist, you’re helping your patients in their everyday lives. And though you’re good at what you do, you need to be prepared for anything that may jeopardize your career and your financial future. Employer-provided coverage is focused on insuring your employer. A policy through HPSO is focused on insuring you. With professional liability insurance through HPSO.

As an occupational therapist, coverage through HPSO provides you with the following benefits:

  • Professional Liability Coverage

    • Covers you, up to $1 million each claim, for amounts that you become legally obligated to pay as a result of a professional liability claim arising out of a covered medical incident. 

    • Covers you, up to $3 million annual aggregate, for all covered claims in the policy period. 

  • License Protection – up to $25,000 per proceeding, up to $25,000 annual aggregate

    • If your client, a spouse, family member, etc. complains about you to a state licensing board, you could face the challenge of defending your practice and license—and thousands of dollars in legal fees. A policy through HPSO will reimburse you for your defense of disciplinary charges and other covered expenses arising out of a covered incident. 

  • Defendant Expense Benefit – up to $1,000 per day, $25,000 annual aggregate

    • Your policy through HPSO will reimburse you for lost wages and covered expenses incurred when you are required to attend a trial, hearing, or proceeding as a defendant in a covered claim.

  • Deposition Representation – up to $10,000 per deposition, up to $10,000 annual aggregate 

    • A patient or client is injured at the facility where you work. You are not named in the lawsuit, but you receive a subpoena for testimony. Your coverage through HPSO will pay for attorney’s fees as a result of your required appearance at a deposition that arises out of professional services 

  • Personal Liability Coverage – up to $1 million annual aggregate

    • Covers you for legal liability for covered claims resulting from incidents at your residence, unrelated to your work.

  • Defense Attorney Provided 

    • With your own individual coverage, you’ll have your own defense attorney the insurer designates to represent you in court, when necessary. Legal fees will be paid for covered claims, in addition to your liability limits - WIN OR LOSE. 

  • Assault Coverage – up to $25,000 per incident, up to $25,000 annual aggregate 

    • Violence in the workplace is a tragic reality. If you become the victim of a violent action at work or on your way to or from work, this coverage will reimburse you for your medical expenses including workplace violence counseling, or damage to your property. (Not available in Texas). 

  • Personal Injury Coverage 

    • Covers you, up to the applicable limits of liability, against covered claims arising from allegations of slander, libel, assault and battery, and other alleged personal injuries arising through the performance of your professional services. 

  • Medical Payments – up to $25,000 per person, up to $100,000 annual aggregate 

    • Pays for reimbursement of medical expenses incurred by others injured at your residence or business premises. 

  • Damage to Property of Others – up to $10,000 annual aggregate

    • Your policy pays for unintentional damage you cause to someone else's property while at your personal residence or your workplace. 

  • First Aid Expenses – up to $10,000 per incident, up to $10,000 annual aggregate

    • This benefit provides reimbursement for expenses you incur while rendering first aid to another person. For example, these expenses may include supplies from your personal first aid kit that you used to help a victim of an automobile accident. 

  • Sexual Misconduct/Abuse – up to $25,000 annual aggregate sub-limit of Professional Liability limit 

    • The policy pays to defend you against allegations of sexual misconduct, up to the applicable limit of liability, for amounts you are legally obligated to pay as a result of covered claims involving acts of sexual misconduct related to professional services.

  • Information Privacy Coverage (HIPAA) – up to $25,000 per incident, up to $25,000 annual aggregate

    • People today are very conscious about their privacy. Most are aware of the protection they receive under the HIPAA laws. This coverage reimburses you for costs to notify patients of a violation of confidential personal information in compliance with privacy protection laws. It also covers HIPAA fines and penalties arising out of a covered proceeding that you become legally obligated to pay. 

In addition, a professional liability insurance policy through HPSO is portable, so it goes with you wherever you go. Whether you have a second job, do volunteer work, move, or change jobs, your policy will help protect you. 

Do you have all the coverage that you need for your non-medical activities? Click here​ to learn more.​

Questions? Check out our FAQs for occupational therapists.

Get a Professional Liability Insurance Quote


Please Call 1-800-982-9491

Mon – Fri, 8am – 6pm ET.
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