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Insurance for Occupational Therapists

Instant occupational therapists insurance that combines professional indemnity, public liability and products liability

Starts from $287 per year

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What is covered under this insurance policy for Occupational Therapists?

Occupational therapists insurance under the allied health professionals insurance covers occupational therapists and is designed to include both professional indemnity, public liability and products liability.

The policy is suitable for occupational therapists working with an institution or having their own practice or providing occupational therapy services as part of their professional duties.

The policy can cover occupational therapists that work full time, part time or as contractors.

Public Liability

Public liability protects you and your occupational therapist services against any liability if someone is injured on your premises or while you are providing your services in Australia.

Professional Indemnity

Professional indemnity protects you for claims made against your occupational therapy business in the course of providing your professional services in Australia.

Third Party Property Damage

Products liability protects you for claims made against your occupational therapist practice for any products sold or supplied by you to a third party in Australia.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your occupational therapist business.

Defamation

Protects you and your business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your occupational therapy services.

other benefits

Value added benefits of the occupational therapists insurance policy

Contract Review

This entitles you to four contract reviews each year you have your occupational therapist insurance. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

events covered
Physical Injury

During a client assessment you offer the client some hard and solid foods to attempt eating, they struggle and choke leading to greater trauma and injury to the client.

Trips, Slips and Falls

A delivery person falls in the basement while delivering some new learning cues and tools for your clients at your house. The delivery driver says they fell and broke their leg due to poor lighting and fractures their wrist. 

Negligence

You complete a client’s client’s treatment plan recommending fidget widgets be used by the client, overlooking their tendency to swallow objects. This occurs and results in severe brain damage in the client leading to their family claiming you negligently provided care.

Error of Judgement

A client’s guardian accuses you of carrying out therapy you weren't trained properly in, leading to more greater behavioural and cognitive impediments . 

Bad Professional Advice

You have been treating a young patient for a number of years and recommend and provide a reference for them to rejoin schooling activities. The child experiences a number of episodes in their first weeks after returning to school and the parents claim you provided incorrect professional advice. They want you to pay for the school fees they are now out of pocket for.

Third Party Damage

After providing a client with their regular learning and cognitive assessment you collect your belongings to leave the house, you drop some coloured paint and paint brushes damaging a real Persian rug. The client believes this is a game and rubs the paint into the carpet permanently damaging the $8,000 rug which you are now needing to replace or pay for.

exclusions

What is not covered (exclusions) under occupational therapist insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Natural therapists
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Massage therapist
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Speech Pathologist
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Counselling therapist
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Physiotherapist
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Other 20+ therapy Professions
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how upcover works

How upcover works

To get your instant quote, all you need to enter is your occupation as an occupational therapist or applied behaviour analyst and your expected income! No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get occupational therapist insurance to win that client or to work with an institution or clinic, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, occupational therapy insurance is the perfect solution for occupational therapists  and applied behaviour analysts.
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FAQs

You asked, We answer

Why is occupational therapist insurance important?

Occupational therapists help people who may be experiencing some form of disability to improve their ability to participate in occupations and activities. Occupational therapists offer a broad range of services that include developing a client's skills in self-care and home management along with helping them reintegrate with the community in general. Occupational therapists may prescribe methods like environment modification for clients or adaptation techniques to help them.

The job of an occupational therapist includes providing highly personalised services which implies an element of risk. Sometimes mistakes happen and things do not go according to plan. If your client or their guardian holds you responsible, it could put everything you have worked for at risk.

What can an occupational therapist be sued for?

While we hope it doesn't happen, occupational therapists can potentially be sued for: 

• Covering medical costs (current and future) for a client that is injured
• Loss of a client's earning capacity when the client is off work
• Additional compensation if the damage to the client is permanent/long-lasting
• Mental trauma, pain and suffering of the client from the injury

What limits are available with upcover?

You can get covered today with tailored occupational therapist insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under occupational therapist insurance?

1. Occupational therapist
2. Occupational therapy
3. Occupational therapy service
4. Applied behaviour analyst
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078