Provide is the best platform for occupational therapists get quick & affordable insurance. As an occupational therapist, you’re at risk of facing business-related lawsuits. Your staff may also suffer injuries while at work, leaving you liable under WICA laws to compensate them for their injuries. Get coverage today against these risks, with Provide.
| Coverage | Explanation | Importance for occupational therapists |
| Professional Indemnity Insurance | Protects you from lawsuits related to physiotherapy work | Critical |
| Commercial Property Insurance | Protects your business premises against property damage, e.g. fire, explosions, certain types of water damage, etc. | Critical if you have a commercial space |
| Public Liability Insurance | Protects you against liability to third-parties for property damage or injuries. E.g. clients slipping & falling in your office due to you negligently leaving the floor wet. | Critical |
| Work Injury Compensation Insurance (WICA Insurance) | Protects your employees if they suffer work-related injuries/sickness. | Legally required for all manual workers (e.g. physiotherapists), or workers who earn <$2,600/month |
| Business Interruption Insurance | Provides cash benefit if you cannot operate your consulting business due to covered reasons, e.g. fire at your office. | Very good to have |
Professional Indemnity Insurance:Â Many occupational therapists will have $250,000 coverage and above.
Commercial Property Insurance: Consider at least $100,000 coverage.
Work Injury Compensation Insurance: It’s recommended to insure 100% of your employees. By law, you have to insure all manual workers, such as physiotherapists, exercise trainers, etc. You also have to insure all workers earning $2,600/month or less. It’s a good idea to go beyond the bare minimum legal requirement, to cover 100% of your staff.
Public Liability Insurance: You should have at least $500,000 coverage.
Business Interruption Insurance: Calculate your lost gross profit if you are unable to operate your physiotherapy business for 3-6 months. Cover at least that amount. Consider a minimum of $200,000 coverage.
| Coverage | Coverage amount (example) | Premium |
| Professional Indemnity Insurance | $100,000 | From $42/month |
| Commercial Property Insurance | $100,000 | From $19/month, for a comprehensive Occupational Therapists Insurance Package deal |
| Public Liability Insurance | $500,000 | |
| Work Injury Compensation Insurance (WICA Insurance) | $10 million common law annual limit $45,000 medical expenses cover per worker | |
| Business Interruption Insurance | $10,000 |
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