Core coverages in this program
- •Professional Liability (OT malpractice)
- •General Liability
- •Sexual Abuse & Molestation Liability
- •Workers' Compensation
- •Hired & Non-Owned Auto
- •Inland Marine for portable equipment
Why contract OTs need their own policy
Many occupational therapists work 1099 for staffing agencies, school districts, or home-health agencies. Those organizations insure themselves, not you, and their certificate does not extend to a claim naming you individually. A personal professional liability policy gives you an independent defense limit and is usually the document a district or agency asks for during onboarding.
What OT insurance costs
Individual policies are inexpensive; practice programs scale with payroll, revenue, and setting. Pediatric and home-based work rates slightly higher than clinic-only practice because of supervision and auto exposure.
| Profile | Professional liability | Notes |
|---|---|---|
| Individual OT / COTA | $140–$350/yr | Adds an individual defense limit |
| Contract / school-based OT | $400–$900/yr | Districts require additional insured status |
| Pediatric or home-based practice | $1,200–$3,500/yr | Add abuse coverage and HNOA |
Renewing in the next 90 days?
That's the sweet spot to re-shop your coverage. KTL benchmarks your renewal across 20+ A-rated carriers — most clients see options within one business day.
School districts, IEPs, and additional insured wording
District contracts commonly require $1M/$3M professional liability, $1M/$2M general liability, abuse and molestation coverage, the district named as additional insured, a waiver of subrogation, and proof of workers' comp or a sole-proprietor exclusion. Requirements are usually in an insurance exhibit attached to the services agreement — send it over and KTL will match it exactly rather than guessing at limits.
Home visits, equipment, and vehicle exposure
Adaptive equipment, sensory kits, and evaluation tools travel in a car and are not covered by a homeowners or personal auto policy when used for business. Inland marine covers the equipment; hired & non-owned auto covers your liability for accidents while driving between clients. Both endorsements typically add only a few hundred dollars a year.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.