Hands-on treatment, other people’s homes, and equipment you recommended.
Business insurance for occupational therapy practices — the hands-on, in-home and equipment exposures a practitioner policy does not reach.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
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What occupational therapy businesses actually need.
Professional liability
Covers the advice, the drawing, the diagnosis — the work itself, rather than someone getting hurt on your premises.
Without it — Treatment and assessment decisions, including equipment you recommended that turned out to be wrong for the client.
Sexual abuse & molestation
Covers allegations of abuse by staff or volunteers. General liability usually excludes it outright, and any organisation working with children, patients or vulnerable adults will be asked to carry it by name.
Without it — Hands-on treatment delivered one-to-one, frequently to children or adults with disabilities, is the allegation exposure funders require you to cover.
General liability
Third-party bodily injury and property damage — the line nearly every contract names by default.
Without it — Injuries in your clinic, and damage caused in a client’s home during an assessment or a modification.
Hired & non-owned auto
Covers vehicles the business does not own but its people drive on the job — rentals, and employees running errands in their own cars. Their personal auto policy will not cover a business trip, and the claim lands on the business.
Without it — Home-visiting therapists drive their own cars to clients all day.
Workers compensation
Required in almost every state the moment you have employees. Priced on payroll and class code, which is why the class code is worth arguing about.
Without it — Transfers and manual handling injure therapists more than any other cause.
Inland marine & equipment
Tools, equipment and property in transit. It picks up exactly where commercial property stops, which is the moment the item leaves the building.
Without it — Assessment kits, sensory equipment and loan stock travel with the therapist and leave the building.
Cyber & tech E&O
Breach response, ransomware and the notification costs that follow. Technology errors and omissions sits on the same policy and covers the software or service itself failing a client, which is the half most tech companies find out about too late.
Without it — Clinical records are health data whatever the size of the practice.
Kevin Kelsey
Founder | Principal Agent
Owned and ran a home health agency before insurance. That is where the allied health exposures were learned first-hand rather than from a rate manual — the vendor packets, the abuse and molestation requirement, staff driving their own cars to clients, and the he-said/she-said nature of a claim arising from one-to-one direct care where nobody else was in the room.
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What occupational therapy operators ask us.
Am I liable for equipment I recommended?
It is a professional liability question rather than a product one, and yes it can attach. Recommending a transfer aid, a wheelchair, a bathroom modification or a sensory tool is a clinical judgement, and a client injured using it may say the recommendation was wrong. This is one of the clearest examples of why the professional policy and the general liability policy are answering different questions.
Does home-based practice change my cover?
It changes two things. The driving becomes a real exposure that needs hired and non-owned auto, and damage you cause inside a client’s home becomes a general liability claim rather than a premises one. Practices that moved from clinic to community rarely revisit the policy that was written for the clinic.
Do you write pediatric OT?
Yes, and it is worth flagging as pediatric rather than leaving it general. Working with children raises the abuse and molestation requirement and changes who is contracting you — school districts and regional centers rather than adult clinics, each with their own vendor packet.