FAQ_category: (HIDDEN) Industry FAQs

Liability insurance helps protect physical therapists from the risks that come with hands-on care. Coverage often includes: 

• Professional liability – claims of negligence, malpractice, or improper treatment 

• General liability – third-party injuries such as slip-and-falls in your office 

• Legal defense costs – even if a claim is unfounded 

• License protection – support if complaints are filed with your state board 

Yes! Even with proper training and care, risks exist in therapy settings. Professional liability insurance helps protect against: 

• Legal defense costs if a client sues 

• Claims of negligence, misdiagnosis, or improper treatment 

• Alleged breaches of confidentiality 

• Reputation damage tied to client disputes 

Yes. Most professional liability policies for occupational therapists extend coverage to a variety of settings, including: 

• Private offices or clinics 

• Clients’ homes 

• Schools 

• Rehabilitation or nursing facilities 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Occupational therapists often carry several types of coverage to stay protected: 

• Professional liability – covers claims of negligence, malpractice, or improper treatment methods 

• General liability – protects against third-party injuries like slip-and-falls in your office 

• Business property coverage – insures therapy tools, office equipment, and furniture 

• Workers’ compensation – required if you employ staff, covering on-the-job injuries 

• Cyber liability – safeguards electronic records and HIPAA compliance