Insurance for Occupational Therapists
Meets AHPRA/Occupational Therapist Board requirements
Combined Professional Indemnity and Public Liability cover
Flexible payment options – monthly or annually
Independent feedback based on verified reviews
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What is occupational therapy insurance?
Insurance for occupational therapists is cover tailored to meet the unique needs of registered allied health professionals providing OT services. It can help cover the cost of everyday risks, such as negligence claims, accidents, injuries, and more.
BizCover offers combined Professional Indemnity and Public & Products Liability insurance, making it easy for OTs to meet The Occupational Therapy Board of Australia/AHPRA requirements and protect their businesses.
Why do occupational therapists need insurance?
Occupational therapists must have Professional Indemnity insurance to practice in Australia. It helps protect them against common risks, such as medical negligence and malpractice claims and providing misleading treatment or advice.
OTs may also need other types of insurance to protect them from additional risks, like accidents, injuries, and cyber breaches.
Meet AHPRA and Occupational Therapy Board requirements.
Lease clinical or office space.
Pay legal costs if you face a liability claim.
Cover the cost of cyberattacks and breaches.
What does occupational therapy liability insurance cover?
Professional Indemnity insurance for occupational therapists is the most common type of cover for this occupation, because it is required by the Occupational Therapy Board to practice in Australia. This type of OT insurance can cover a variety of civil liability risks, including:
- Providing misleading advice
- Patient injury caused by your treatment
- Medical negligence claims
- Loss of patient health records
Allied Health Combined Liability insurance bundles Professional Indemnity with Public Liability, another type of insurance commonly taken by OTs. It covers you if a third-party claims that your negligent business activities caused them injury or property damage. This includes defence costs cover.
What types of insurance do occupational therapists need?
We offer comprehensive insurance options designed specifically for OTs and other healthcare professions, such as:
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How much does occupational therapy insurance cost?
Business insurance for occupational therapists costs $60 per month*.
Get cover that works with the risks of your business
Choose Professional Indemnity limits up to $10 million and Public Liability limits up to $20 million within our Allied Health Combined Liability policy. Personal Accident & Illness benefits up to $4,000 per week are also available
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Get cover that works with the risks of your business
Choose Professional Indemnity limits up to $10 million and Public Liability limits up to $20 million within our Allied Health Combined Liability policy. Personal Accident & Illness benefits up to $4,000 per week are also available.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
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- Claims Results
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See How Much Others Have Saved By Purchasing a Policy Through BizCover
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Linda
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^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Yes, occupational therapists are required by The Occupational Therapy Board of Australia to have “adequate” levels of Professional Indemnity insurance. This is also required by the Australian Health Practitioner Regulation Agency (AHPRA), which oversees all registered health practitioners in the country, including OTs.
Yes, cover options are available to protect occupational therapists working in patient homes and other locations.
Generally speaking, yes. Occupational therapists are required to meet AHPRA Professional Indemnity insurance requirements, even if they work from an in-home practice.
Certificates of currency are instantly emailed to BizCover customers as soon as they purchase a policy. You can download additional certificates of currency at any time through our online customer portal.
BizCover customers can make a claim 24/7 through our online claims form. Once submitted, our team will manage the claim with the insurer on your behalf and notify you of the outcome.
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