Occupational Therapists Insurance
Protect your occupational therapy practice from assessment claims, equipment recommendation disputes and client injury incidents with specialist cover.
Get in touchWhat is occupational therapists insurance?
Occupational therapists insurance is a specialist policy that protects OT professionals from the clinical risks of assessing clients, recommending equipment and designing rehabilitation programmes. It typically includes professional indemnity, public liability and employers liability.
If a wheelchair you recommended is unsuitable, an adaptation you specified does not meet the client's needs, or your functional assessment is challenged, professional indemnity covers the resulting claim.
Find cover options from specialist insurers who cover allied health professionals, ensuring your cover meets HCPC requirements and reflects your area of OT practice.
Professional Indemnity
Covers claims arising from assessment errors, equipment recommendations or rehabilitation programme failures.
Public Liability
Covers injury or property damage claims from clients during therapy sessions.
Employers Liability
Required by law if you employ staff or therapy assistants.
Cyber Liability
Covers data breaches involving sensitive clinical and personal records.
Who needs occupational therapists insurance?
Private practice OTs
Running an independent occupational therapy practice
Paediatric OTs
Assessing and treating children with developmental and sensory needs
Housing and adaptation specialists
Recommending property adaptations for disabled clients
Mental health OTs
Supporting clients with mental health conditions
Hand therapists
Specialising in upper limb rehabilitation
WHY CECIL
Built differently.
Equipment recommendation cover
OTs regularly recommend expensive equipment and adaptations. Cecil finds insurers who cover the professional liability of these recommendations.
Assessment dispute protection
OT assessments can be challenged by clients, families and commissioners. Cecil ensures your professional indemnity covers these disputes.
Meets HCPC requirements
Cecil finds policies that meet the Health and Care Professions Council standards for registered occupational therapists.
Cover for all practice settings
Whether you work in clients' homes, schools or clinics, Cecil ensures your policy covers all the environments you practise in.
Common questions about occupational therapists insurance
Do occupational therapists need professional indemnity insurance?
Yes, the HCPC requires registered occupational therapists to hold adequate professional indemnity insurance.
Does OT insurance cover equipment recommendation errors?
Yes, professional indemnity covers claims arising from equipment recommendations that prove unsuitable or cause harm.
Do I need insurance for home visit assessments?
Yes, your professional indemnity covers your work in all settings, including client homes. Public liability also covers incidents during home visits.
What level of professional indemnity do OTs need?
Most occupational therapists carry between £1m and £5m. The right level depends on your caseload and the types of recommendations you make.
Does OT insurance cover medico-legal reports?
Yes, professional indemnity covers claims arising from medico-legal reports and expert witness testimony you provide.
Interested in Occupational Therapists insurance?
We will be in contact when Cecil launches.