Occupational Therapist Malpractice Insurance

Protect the career and reputation you’ve worked so hard to build.

As an occupational therapist, you work hard to protect and care for your patients, but you can’t do your job well if you don’t take care of yourself, too.

Berxi™ offers industry-leading medical malpractice insurance with the speed and ease that you’ve come to expect from modern, technology-focused companies. The efficiency we’ve built into the process means lower prices. (On average, we save customers 20%.)* You can get a quick quote and buy a policy that’s effective today, or up to a year in advance. And since Berxi is part of Berkshire Hathaway Specialty Insurance (BHSI), you can feel secure in knowing that you’re partnering with a company that’s focused on the long term.

Why Should I Choose Berxi for My Medical Malpractice Insurance?

At Berxi, we’re working to create a better insurance experience for OTs by offering affordable coverage and outstanding service. Here are a few things that set us apart:

  • Financial Stability: BHSI is part of Berkshire Hathaway’s National Indemnity group of insurance companies, consisting of National Indemnity and its affiliates, which hold financial strength ratings of A++ from AM Best and AA+ from Standard & Poor’s.
  • Industry-Leading Claims Support: With a nationwide network of experienced claims handlers, our team will be right there to help you navigate the process if a claim is ever filed against you.
  • Competitive Pricing: Buying direct from us can save customers as much as 20% — and, in some cases, even more.*
  • Simplified Experience: We’ve created a modern and intuitive digital insurance experience. You’ll get your policy documents as soon as you purchase, and you’ll be able to access your online account 24 / 7. We also aim to cut the jargon and talk to you like the smart, professional HUMAN that you are.

Why Do Occupational Therapists Need Malpractice Insurance?

Unfortunately, occupational therapists can get sued — either as an individual, or in a group claim involving the doctors, nurses, and therapists who were working with one patient. Ultimately, you want to protect yourself and your career. With medical malpractice insurance in place, you’ll get a team to protect your best interests and insurance for the expenses that result from your defense and any damages that need to be paid.

My Hospital/Practice Offers Med Mal for Its Employees. Do I Need More?

You should consider having your own insurance policy to protect your interests. Even if your employer provides coverage, here are some important things to consider:

  • A fellow employee submits a claim against you. Your company’s policy may exclude coverage for claims of one employee against another employee.
  • If you’ve changed jobs and a claim is filed against you for actions while you were with your previous employer, your prior company’s policy may no longer cover you.
  • Your employer’s policy may not cover your lost wages that accrue while you attend legal proceedings.
  • If a number of employees are named in the same claim, your employer’s policy may not have adequate limits to protect you and your fellow employees.

Having your own policy can help you feel more comfortable if a claim is filed against you. With your own policy, you’ll have access to your own legal representation, and the resources of the policy aren’t shared among multiple insureds.

How Much Would an Occupational Therapist Medical Malpractice Policy Cost?

Medical malpractice insurance policies for occupational therapists start at about $150 a year. However, the price of your particular policy will depend on a number of different factors, including — but not limited to — where you work, how often you work, and how many years of experience you have.**

The best way to get an accurate idea of what your policy would cost is by filling out our quick online application to receive a quote. The process takes a minute or two, and — if you choose to purchase — your policy can go into effect any day you’d like, including today.

I Work in Different Locations (e.g., Office, School, or Facility). Does the Berxi Policy Cover Me Everywhere?

Yes, your policy does follow you. If you practice in more than one state, here’s what you’ll need to do: On your application, simply select the state in which you primarily practice or do the majority of your work. Your Berxi policy follows you across all 50 states (and Washington D.C.), so work performed outside of your primary state will be covered under your policy.**

Professional, friendly, efficient! Can't ask for more.
Julia, Nurse Practitioner Oregon

What’s Covered Under Berxi Professional Liability – Healthcare

Industry Coverage

Medical Malpractice Coverage
Defense Counsel
Worldwide Coverage
Good Samaritan Coverage
Sexual Misconduct/Abuse

Automatic Coverage Extensions

Information Privacy Coverage (HIPAA)
License Protection
Defendant Expense Benefit/Deposition Representation
Reputation Coverage

Additional A La Carte Coverage

Business/General Liability Coverage
Medicare/Medicaid Reimbursement Endorsement

* “20% savings” is based on industry pricing averages.

** Quote and issuance of a policy are conditioned upon receipt and approval of the following 1) Practice Location; 2) Profession / Specialty; 3) Employment Status; 4) Coverage Type; 5) Hours Worked; and 6) Prior Claims Activity. Final pricing and terms of coverage may vary.

*** Terms, pricing, and coverage may vary.