Occupational Therapist Insurance

occupational therapists

The American Occupational Therapy Association, Inc. (AOTA) Professional Liability Insurance

Not having enough medical malpractice insurance can put your finances and even your family at risk. Now is the ideal time to make sure you're covered. Many therapists feel that their clients are being released from therapy sooner than they should, which can lead to claims against the therapist. You can't always depend on your employer for enough protection, which means you could end up spending thousands of your own money on legal fees. Make sure you’re covered! Get started today by requesting an online instant quote. Then fill out our quick and easy application to get the process rolling. If you have any questions, please visit our FAQ section or call a professional liability representative at 1-800-503-9230.

AOTA Professional Liability Insurance FAQs

Learn more about our Professional Liability Insurance for Occupational Therapists, including how much coverage you need.

Illinois Medical Professional Liability Law PA94-644, Senate Bill 475, requires insurers to implement a quarterly premium payment installment plan as prescribed by the Secretary of the Illinois Department of Financial and Professional Regulations (IDFPR).

If you practice in the state of Illinois and your annual medical professional liability premium is over $500, please visit www.proliability.com/illinstall for information regarding installment payment options.

While many employers (not all) will provide some Professional Liability coverage, chances are that coverage may have some serious gaps, including:

  • Policy limits may not be high enough to protect you and all your co-workers.
  • You may not be provided with coverage for lost wage reimbursement, licensing board hearing reimbursement and defense costs.
  • You may not be covered outside of the workplace, such as when you engage in volunteer or part-time work.
  • You may not be covered for suits filed after you have terminated your employment.

Applying is just a click away! Get a no-obligation quote and apply for binding coverage instantly at by clicking the "Apply Online" link.

If you prefer not to apply online, you may also request an application to be sent to your home. Call 1-888-795-9340 to speak to your professional liability representative today.

Professional Liability Insurance protects you against covered claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties. Remember, legal defense and settlement costs are paid in addition to your limits of liability.

In the event of a lawsuit, your own Professional Liability Insurance policy would:

  • Provide you with your own attorney.
  • Pay all reasonable costs incurred in the defense or investigation of a covered claim.
  • Pay you for lost wages.
  • Provide reimbursement if licensing board issues were involved.
  • Pay court costs and settlements in addition to the limits of liability.

All the plans offered by Mercer Consumer are tailored specifically for each profession to meet your unique needs.

The plan is administered by Mercer Consumer and underwritten by Liberty Insurance Underwriters Inc., a member company of Liberty Mutual Group. Mercer Consumer has handled the insurance needs of individual healthcare professionals, schools, universities and associations since 1949. As a trusted name in the Professional Liability marketplace, Mercer Consumer has earned a reputation defined by superior products and quality services.

AOTA Professional Liability Insurance Forms

To find your specific form, please click on the "Get my Application" button below. If you have any questions, please call 1-800-503-9230 and speak to a professional liability representative today.

How can we help?

Please let us know of any questions or concerns you have. We want to make sure you completely understand your coverage through Mercer Consumer and how it can benefit you.

Mailing Address:

Mercer Consumer
PO Box 14576
Des Moines, IA 50306

Call Center:

Phone: 1-800-503-9230
(7:30 a.m. to 5:00 p.m. Central, M-F)


Email:     health@proliability.com