Clinical negligence
Allegation linked to functional assessment and rehabilitation planning
A patient alleges harm from advice, assessment or treatment; notification and defence costs can mount quickly.
Profession cover
Occupational Therapist Indemnity Insurance
Occupational Therapist medical indemnity: get a tailored quotation in minutes. Cover depends on your speciality, limits and how you practise.
Get a quote and buy onlineTakes about 5 minutes · No card details to see a price · Documents by email when you buy online
The work
Indemnity for occupational therapy assessments and plans
As an occupational therapist, you help people with special conditions to be able to perform specific activities. You do this through various interventions such as promoting people who are recovering from an injury be able to regain their skills and the ability to work, or by providing support for aged patients who need to improve their physical and cognitive abilities.
Occupational therapy is a profession that demands unwavering dedication to providing support for patients adequately. In some situations, while helping patients regain their ability to perform basic tasks, occupational therapists may face a malpractice allegation.
While most occupational therapists work with great caution to prevent such situation from occurring, you must always prefer for the unexpected. Malpractice insurance is the surest way to ensure that you walk out of a lawsuit with your job and reputation intact. MMI 4u understands how you value your career and that is why we work as hard as you do to protect your job and secure a brighter future for you.
Where claims come from
Illustrative situations, not a statement of what your policy covers.
Regulatory & reputational
Complaint or employer investigation
Complaints and fitness-to-practise matters need prompt handling alongside any indemnity notification.
How you practise
Employed, self-employed or mixed sessions
Cover must match where and how occupational therapists work; do not rely on employer indemnity alone.
On the quote form
Cover you can select
These are options you can build on the quotation form. Your quotation and schedule confirm what applies to your policy.
Professional indemnity
Core medical malpractice cover for claims alleging negligent advice, diagnosis or treatment, with limits up to £10 million available on our form.
Public liability
Optional if patients visit premises you control: slips, trips and property damage.
Legal protection
Optional commercial legal expenses for contract disputes and regulatory advice, not clinical negligence.
Run-off / tail cover
Important when you retire or change insurer; discuss your circumstances with us.
Prices start from
£47.03 / year
including IPT
What occupational therapist cover costs
£47.03 is the lowest price available on our quotation form for occupational therapist with the minimum limit of indemnity shown. Your own premium depends on your limit, scope of practice, NHS or private mix where applicable, and claims history.
It is a guide price, not a typical package.
Quoting takes about five minutes
No card details needed to see a price on eligible roles.
1
Tell us about your role
Your profession, scope of practice and how you work.
2
Choose your limit of indemnity
Select cover limits and optional add-ons on the form.
3
See your price
Your quotation updates as you change limits and options.
4
Buy online when ready
When eligible, documents are emailed after payment.
Claims we have handled
Settled examples from medical professionals. Each outcome depended on the cover in force at the time.
Surgery
Three years after stomach surgery, a patient suffers a twisted bowel resulting in a severe obstruction requiring emergency surgery. The surgeon who undertook the initial procedure received a claim in excess of £50k in compensation and fees. It is alleged that failure to complete the initial surgery correctly led to this complication.
Professional indemnity responded to the claim for compensation and legal fees.
General practice
A parent took their infant for a check up following recent signs of illness to which the GP noted as 'not serious'. The child later developed meningitis and subsequently lost hearing on one side. A claim was made for negligence in respect to the doctor's failure to refer the child and misdiagnosis.
A negligence claim was pursued for failure to refer and misdiagnosis.
Dental
Following the fitting of dental braces, the patient suffered severe headaches and jaw pain. On formal investigation, it was discovered that the technician had misinterpreted the dentist's instructions and the sizing was incorrect. A claim for compensation and fees in excess of £5k was made for the pain and suffering.
A claim for compensation and fees was made under the policy in force at the time.
Emergency care
In response to an emergency call, a paramedic began to resuscitate an unconscious patient. Despite successfully resuscitating the patient, during the process the paramedic unfortunately caused the patient to suffer a fractured rib. A claim was made in negligence against the paramedic by the patient following the injury sustained.
A negligence claim followed the injury sustained during emergency care.
If a client raises a concern
Note what happened while it is fresh, keep your consent and aftercare records together, and call the claim line shown on your schedule. Don't accept responsibility on the spot; let the claims team assess it first.
Google reviews
4.9 out of 5 from 405 Google reviews
Clair had dealt with myself when it came to sorting out an insurance policy. Customer services was great. There seemed to be an issue (no fault of her own) which was resolved immediately. Cannot recommend this company...
Ik977 _____
2 months ago · Google
Absolutely brilliant for the indemnity I need. No hidden costs, just pay what I'd quoted and you're all set and covered for the year. It was so much cheaper than going through other sites. Would definitely recommend.
natalie holmes
3 months ago · Google
Super Easy And Efficient Insurance Cover. MMI 4U Has Everything Dental Professionals Need! Fast Transaction Method And Communication By Email. Definitely Recommend x
Shivon Chopra
3 months ago · Google
Occupational Therapist Indemnity Insurance FAQs
Most occupational therapist need professional indemnity (medical malpractice). Add public liability if you see patients on premises you control, and employers' liability if you employ staff.
Medical indemnity (medical malpractice) is usually on a claims-made basis: the policy in force when you notify a circumstance or claim typically responds, subject to your retroactive date and policy terms.
Where public liability is included, that section is often on an occurrence basis (incidents during the policy period). The basis for each section can differ by profession, insurer and product.
Always check your quotation, schedule and policy wording for the basis that applies to each section of your cover. See our guide on claims-made v claims occurring.
Yes. Complete our online quotation form to see your price and, when eligible, buy cover online in minutes. Policy documents are emailed once cover is in place.
Prices start from £47.03 a year, including Insurance Premium Tax. £47.03 is the lowest price available on our quotation form for occupational therapist with the minimum limit shown. Your own premium depends on your limit of indemnity, scope of practice, and claims history.
It is a guide price, not a typical package.
See your occupational therapist price
Choose your limit, see the price, and buy online when you are ready. No obligation.
Get a quote and buy onlineRather talk it through? Call 01773 810072, Monday to Friday, between 8am and 5pm.
The information on this page is general information only and is not personal advice. Cover is subject to policy terms, limits and exclusions. Always check your quotation and schedule. MMI 4u is a product of C I 4 U GB Nationwide Limited, authorised and regulated by the Financial Conduct Authority (FRN 496879). Registered in England No. 06671640.
Occupational Therapist Indemnity Insurance
from £47.03 a year incl. IPT; your price depends on limit and scope