As an occupational therapist or OT, you work in a profession where you’re able to help people reach their full potential against the odds and fight against their mental health issues.
Some of your patients may be recovering from a stroke, while others may be coping with disease or mental illness. And although the circumstances and the setting may differ from patient to patient, your training allows you to aid your clients in finding new ways of functioning at the level they’re accustomed to and have peace of mind in their daily living.
As a healthcare professional working either alone or with a team of care providers, occupational therapist insurance can help you protect your finances and your career.
Here Are 3 Insurance Options That You May Want to Explore As an Occupational Therapist
1. Professional Liability
In the aftermath of a stroke or a sudden injury, your patients are learning and re-learning how to do regular tasks that they used to do without thinking. Also, you will assist them to develop skills to cope with their obstacles. And if a patient follows your advice and ends up hurting themselves, it’s not uncommon for people to get upset and lash out at their care providers.
Professional liability insurance can help occupational therapists defend themselves against allegations of negligence by covering legal and judgment costs.
2. Commercial General Liability
Many occupational therapists operate out of clinics and perform therapy independently. And because patients may already be struggling with conditions that affect their physical capabilities, there’s a real risk that they, or someone attending the session with them, could hurt themselves while visiting you or following your medicare plan.
Commercial general liability coverage can cover situations where third parties suffer bodily injury and/or property damage on your property.
For these reasons and more, commercial general liability coverage is worth discussing with your ALIGNED broker if you run your practice out of a physical building.
3. Cyber Liability Insurance
There are different types of therapy. Do you or your clinic use the cloud to store customer data? Are you relying on a web-based solution to accept payments or book appointments?
Data breaches and third parties getting unauthorized access to data is a major concern in regular circumstances. But as a healthcare professional, the thought of hackers and other third parties gaining unauthorized access to patient information is particularly chilling.
Cyber liability insurance may be able to cover health care providers in the aftermath of a hack or a data breach.
Work With an Experienced Broker for Your Occupational Therapist Insurance Needs
As an occupational therapist, your job is all about helping your patients improve or maintain their ability to live on their own terms while doing the things they love. When you work with ALIGNED, you’re getting the benefit of working with trained insurance professionals who will work hard to ensure that you and your practice get the insurance coverage that you deserve.
Get your FREE occupational therapist insurance quote today.
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