Insurance for Occupational Therapists

While you support your clients, let us support you with your insurance. 

At insurance.com.au we offer combined Professional Indemnity and Public & Products Liability insurance for Occupational Therapists under our Healthcare Professionals Civil Liability policy.  

The policy provides comprehensive cover, competitive premiums and specialised claims handling. You’ll also be entitled to up to one hour of complimentary legal advice for matters specifically related to notifications of circumstances that may give rise to a claim. 

Cover is designed to protect occupational therapists across a range of potential professional liability scenarios available, encompassing relevant practices such as functional assessments, ergonomic assessments, and therapy modalities such as manual therapy and assistive technology recommendations.  

The Occupational Therapy Board of Australia, under the Health Practitioner Regulation National Law Act, requires all registered occupational therapists practicing in Australia to have PI arrangements that meet the Board’s standards. 

What events does this policy cover? 

Here are some examples of what you may be covered for.  

Negligent Care 

An occupational therapist recommends an assistive device without proper assessment, leading to patient injury. The client claims the therapist did not follow appropriate guidelines. 

Inadequate Assessment 

An occupational therapist does not fully assess a patient's physical limitations, resulting in an injury during an activity. The patient claims that proper safety protocols were not observed. 

Improper Equipment Use 

An occupational therapist recommends equipment that causes an adverse reaction or injury due to the patient 's specific needs. The patient alleges that the therapist did not follow appropriate selection guidelines. 

Privacy Breach 

An occupational therapist inadvertently shares confidential patient information with unauthorized individuals, causing emotional distress and privacy concerns for the patient. 

Slips, Trips, and Falls 

Accidents can happen; for example, someone could slip and sustain an injury or have their property damaged while on your premises. Even if you’re not at fault, you could still be held liable and face legal proceedings. 

Public Liability insurance for occupational therapists offers protection against legal liabilities if a member of the public claims they were injured or experienced property damage due to your business operations or while on your premises.