Professional Liabilities Insurance for Occupational Therapists

We have formed a close working relationship with OT AUSTRALIA WA. Through this partnership we have learned about the unique insurance needs of your sector which has enabled us to tailor our insurance cover specifically for you. Our professional liabilities insurance for occupational therapists includes three key areas of cover:

Professional Indemnity

Professional Indemnity insurance provides cover for claims made against you for a breach (act, error or omission or conduct) of your professional duty as an occupational therapist. Cover is also provided for libel and slander, wrongful arrest, Trade Practices Act and Fair Trading Acts.

Public Liability

Public liability covers your civil liability for claims made by third parties (patients, members of the public, visitors, trespassers, contractors, etc) who may be physically injured or whose property may be damaged, or both, arising from your business.

Goods Sold Cover

Products Liability covers you for your liability for claims arising from goods sold, supplied or administered by you, in connection with your occupation as an occupational therapist.

OT AUSTRALIA WA members insured with Guild are able to choose from the following four premium categories:

• Private Practitioners – where gross practice fees exceed $20,000 per annum,
• Private Practitioners – where gross practice fees are less than $20,000 per annum,
• Employed Practitioners, Academics and Volunteers (With no private practice income).

Limits of indemnity: $2 million, $5 million, $10 million or $20 million

There are a range of additional reasons why OT AUSTRALIA WA chooses to refer members to Guild, including:

• Guild's policy automatically includes $100,000 cover for legal costs and expenses associated with disciplinary proceedings or a coronial inquiry. Not all policies offer this cover and many have considerably lower limits.

• Run-off Cover - if you cease to practice or retire

• No Excess - there is no 'deductible' payable by you in the event of liabilities insurance claim.

• Guild Monthly Instalment Plan - with Guild's pay-by-the-month option you can pay your insurance premium over 12 months directly from your bank, credit union/building society or credit card account.

• Automatic Reinstatement of Cover - if you make a claim under the Breach of Professional Duty or Public Liability sections of your policy and your cover has been exhausted, we will automatically reinstate your full cover twice for subsequent claims within the same policy period.

• Financial Support for OT AUSTRALIA WA and occupational therapists – Guild provides ongoing financial support to OT Australia WA in the form of referral fees for every policy we issue to an OT AUSTRALIA WA member, benefiting both association members and the profession overall. 
   

Would you like more information or a quotation?

Your local Guild regional office will be happy to give you more information or provide a quotation on Professional Indemnity Insurance quickly and easily - please contact us or Freecall 1800 810 213.

Apply online

OT Australia WA members can apply for Professional Liabilities Insurance for Occupational Therapists online.

 If you are not a member of OT AUSTRALIA WA, you are still eligible for Guild insurance, however please contact your local Guild office on 1800 810 213 for a different application.