Occupational Therapist Insurance


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Medical professional liability insurance, sometimes known as medical malpractice insurance, is one type of professional liability insurance which protects physicians and other licensed health care professionals (e.g., dentist, nurse) from liability associated with wrongful practices resulting in bodily injury, medical expenses and property damage, as well as the cost of defending lawsuits related to such claims. Health Providers need Medical Malpractice. CoverCorps has access to hundreds of national carriers to provide you with the best coverage.

At CoverCorps, we are the Occupational Therapist Insurance Specialists. Health Provider insurance is complex. Call in the Corps to help you navigate the complexities of the Health Provider Industry. CoverCorps is a nationwide insurance agency that uses state-of-the-art technology to instantly connect you with a licensed professional to provide you with the best coverage options unique to your business. Whether you have a Acupuncturist, Therapist, or a Nurse, an Independent Practice or Group Practice, the Corps can analyze your business needs and provide your business with the best coverage. Whether you need Claims Made Professional Liability to protect you or your business from negligence claims during a policy period or Occurrence General Liability to protect you or your business from negligence claims in perpetuity, you need more complex coverages like Claims Made General Liability or Hired and Non Owned Auto Coverage or even Prior Acts Coverage. The Corps has you covered!

Deep Knowledge of the Health Provider Industry

At Cover Corps, our experts cover a wide array of businesses within the Health Provider Industry. We work with the best carriers to provide your business with the most comprehensive coverage. Below are some examples of the businesses we cover in the Health Provider Industry:

  • Acupuncturist
  • Therapist
  • Nurse
  • Home Health Aid
  • Imaging Technician
  • Optometrist
  • Occupational Therapist
  • Psychiatrist
  • Psychologist
  • Speech Therapist
  • Veterinarian
  • and more....

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We are not limited to these businesses within the Health Provider Industry. Let Cover Corps design the most cost effective coverage for your business. Call or chat with a licensed insurance professional at Cover Corps or click start quote for more.

Customized Risk Solutions for the Health Provider Industry

Your business needs protection. The Health Provider Industry has its unique and specialized set of risks that need to be mitigated to ensure your business's protection by selecting the right coverages. By connecting with the Corps we will help you wade through the myriad of coverage options with a policy or more general coverages like , Claims Made General Liability, or even more complex coverages like Defense Costs Outside the Limit or Blanket Additional Insured. You can connect with the Corps to provide you with the right coverage that will protect you and your business. Fortunately, CoverCorps can design a customized solution for your Health Provider business.

Standard Coverages

Your business is unique. Cover Corps provides customized coverages in the Health Provider Industry.
Typical coverages for the Health Provider Industry:

  • Claims Made Professional Liability: Professional liability insurance covers claims of actual or alleged negligence that arise from providing professional services, like giving incorrect advice, an omission, or failing to deliver a service. A claims-made policy covers the insured for an incident that occurred during the policy period and was reported as a claim while the policy remained in force. When you start a claims-made policy, the original inception date, known as the retroactive date, becomes a permanent part of the claims-made policy.
  • Occurrence General Liability: This policy insures you against bodily injury and/or property damage to a third party that is not caused by professional negligence. An occurrence policy provides coverage for an injury or damage that takes place during the policy period, regardless of when the claim is reported. Thus, an occurrence policy provides long-term insurance for any covered claim that may arise at any time in the future - up to the limits of the policy in force at the time of the incident that led to the claim.
  • Claims Made General Liability: This policy insures you against bodily injury and/or property damage to a third party that is not caused by professional negligence for an incident that occurred during the policy period and was reported as a claim while the policy remained in force.
  • Hired and Non Owned Auto Coverage: Hired coverage means your business has coverage when you or employees drive a rented, leased or borrowed car for business. Non-owned auto applies to employees using their own cars for business. It provides extra coverage over the employee’s personal auto coverage for bodily injury and property damage liability.
  • Prior Acts Coverage: Prior Acts Coverage provides insurance against claims arising out of incidents that happened before the inception or effective date of a new policy. Some companies may charge an additional premium for this coverage.

Specialty Coverages

Cover Corps also provides specialty coverages for the Health Provider Industry that cover your unique business risks like:

  • Defense Costs Outside the Limit: With defense outside the limit coverage, there are separate limits available for legal defense costs and court-awarded damages. So, the defense costs outside the limits don't erode your policy limits available to pay settlements resulting from a suit.
  • Sexual Abuse Coverage: Physical and sexual abuse insurance is insurance coverage that protects against losses related to lawsuits arising from claims of physical and/or sexual abuse. This abuse can include molestation, physical blows, inappropriate touching, and more.
  • Employment Benefits Liability: Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are administered. These errors and omissions may include failing to enroll, maintain or terminate employees in a plan, and failing to correctly describe benefit plans and eligibility rules to employees.
  • Employed Physician (shared limit): Insurance policies issued to practice groups and hospitals may have shared limits or separate limits. While physicians often have separate limits, there are also times when hospitals or groups may share limits with employed physicians and other practitioners.
  • Products Liability: Product liability insurance helps protect your business from claims that a product you made or sold caused bodily injury or property damage to someone else’s belongings.
  • Blanket Additional Insured: A blanket additional insured endorsement is a form of additional insured language through which a named insured can extend their coverage to multiple third parties without having to specifically name or request additional insured status for each one.

    • At Cover Corps we understand the complexities of the Health Provider Industry. We pride ourselves in our technology and the ease of connecting you instantly to a licensed insurance professional who knows your business. We are waiting for your questions. Please feel free to chat or call and be immediately connected to Cover Corps. We are the Occupational Therapist specialists. When you need coverage Call Cover Corps!


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