What insurances are for occupational therapists?
It is important for you to have the right amount of coverage for unexpected accidents or occurrences. Here are the main insurance policies you need in your insurance package:
Medical Malpractice/ Professional Indemnity Insurance
Professional indemnity insurance is also known as malpractice insurance. This helps you cover expenses for claims made against you by your clients, should they find your service unprofessional. This also includes claims against breach of duty, professional misconduct, and mistakes or omissions claims.
Public Liability Insurance
Whether in a big or small business, public liability insurance is a must. It will protect you from any claims made by a member of the public because of third party injury or property damage within your premises during business activities.
Product Liability Insurance
If your a practitioner who manufactures or sells your own therapy products, it is best to have this insurance policy as consumers may file claims against product authenticity.