Occupational therapists assist in the process of developing, improving, sustaining or gaining a good level of self independence. They work with individuals who suffer from a mentally, physically, developmentally, or emotionally disabling condition.
Why do Occupational Therapists need professional indemnity insurance?
Basic responsibilities of Occupational Therapists are to:
- Advise on specialist equipment to assist with daily activities
- Develop a rehabilitation program to help re-build lost skills and restore lost confidence
- Teach anxiety management techniques
- Coach people with learning difficulties or poor social skills, e.g. in handling money and social interaction
- Mentor people on how to control their own behavior
- Organize support and rehabilitation groups for careers and clients
- Assist clients in performing activities of all types
- Use physical exercises to help patients increase strength and dexterity
- Use activities to help patients improve visual acuity and the ability to discern patterns
- Use computer programs to help clients improve decision-making, abstract-reasoning, problem-solving, memory, sequencing, coordination, and perceptual skills
As Occupational Therapists giving the wrong or misleading advice might lead to an action for damages against you. Having Professional Indemnity Insurance protects you from financial loss as it will provide you with financial assistance in defending claims and any damages payable.
Public Liability Insurance for Occupational Therapists
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Key exposures for Occupational Therapists:
- Copyright and trademark infringement
- Negligence in providing support services
- Failure in developing appropriate programs and services
- Negligence in counseling clients
- Wrong advice given to clients
- Negligence in rehabilitation of clients
- Negligence in training clients how to deal with daily activities
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.