Occupational Therapist Insurance Quebec 2026

OCCUPATIONAL THERAPISTS

Occupational Therapist Liability Insurance in Quebec

Private clinic, home practice, educational institutions: beyond the OEQ, protect your practice with professional liability + E&O + cyber + equipment.

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Starting at $450

Annual premium

OEQ +

Complement

Telehealth

Covered

AMF

Certified brokers

The Ordre des ergothérapeutes du Québec (OEQ) imposes basic professional liability insurance on its members. For a private practice, this minimum coverage may be insufficient: it does not cover clinic property, cyber (patient records), adaptive equipment, or commercial liability. Occupational therapists who practice remotely or at the patient’s home also have special requirements to meet.

Occupational Therapist in Consultation — Assur360 Professional Liability

IN BRIEF

Professional Occupational Liability for Occupational Therapists

Members of the Ordre des ergothérapeutes du Québec (OEQ), occupational therapists must take out a minimum professional liability by regulation. Coverage for evaluation errors, inappropriate equipment recommendations and disciplinary complaints.

Particularity: occupational therapists in private practice and CNESST need an extended guarantee including the defence of a complaint to the syndic of the OEQ. Average premium: $250 to $500/year.

Occupational Therapist Coverage

Professional liability

Errors in evaluation, poor intervention plan, injury during therapy. Complements OEQ coverage.

Cyber risks

Patient records, QHRs, therapy notes. Mandatory for Bill 25 compliance and confidentiality.

Adaptive equipment

Assessment tools, orthotics, rehabilitation equipment, sensory materials.

Commercial liability

Injured patient in your clinic, damage to rented premises.

Clinic property

Furniture, computers, therapy equipment, leasehold improvements.

Telepractice

Explicit coverage for telehealth consultations — include if you practice remotely.

💡 Broker’s advice

If you practice telehealth, check that your policy explicitly mentions remote consultations. Some insurers exclude this modality by default, as it is considered to be at different risk. Also confirm that you are using a platform that complies with the requirements of the QHR/EMR (Jane, Kangaroo, Owl, etc.) and that your patients have signed a consent to telepractice.

Frequently Asked Questions

Is OEQ insurance enough?

For an occupational therapist employed in an establishment: yes generally. For a private practice, no—it lacks property, cyber, equipment, and commercial liability coverage. Add a complementary policy through your broker.

How much does insurance cost for occupational therapists in private practice?

Between $450 and $1,400 per year for a solo practice including complementary professional liability, cyber, property and equipment. Multidisciplinary clinics pay more depending on size ($1,500 to $4,500).

Is telehealth covered?

Yes, if your policy says so. Common requirements: use of a secure platform (Jane, Owl, Kangaroo), signed informed consent of the patient, encrypted therapy notes. An exclusion is possible for patients outside Canada.

I work from home at my patients’ homes — covered?

Yes, via the “practice away from the office” addendum. Declare this practice when you subscribe. Some specific risks (falling in a poorly maintained home, animal bite) may require specific clauses.

Are my expensive adaptive devices covered?

Yes, via equipment coverage. Equipment costing more than $5,000/unit (vibration plate, high-end sensory devices) may require a detailed list. Include them in your return with invoices.

Are my digital patient records compliant with Bill 25?

Bill 25 applies to all health professionals. You must keep a record of incidents, appoint a privacy officer, provide consent mechanisms. A cyber policy covers incident costs and, where insurable, administrative fines.

I give continuing education to other professionals — covered?

Yes, via a training amendment. Report the training activity to your broker. Potential lawsuits come from participants who misuse the techniques taught — a “teaching” clause protects against this type of claim.

A patient falls during a transfer — covered?

Yes, by professional or commercial liability depending on the context. If the fall occurs during a therapeutic intervention, professional liability insurance intervenes. Document the techniques used and precautions taken to prove the absence of fault.

The retirement of an occupational therapist — what insurance?

Tail insurance covers future claims for interventions carried out before retirement. The OEQ offers this coverage; For the commercial part (cyber, property), talk to your broker if you keep an inventory of records.

Occupational therapists throughout Quebec

Assur360 supports businesses throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières and Saguenay. Urban private clinics, regional practices, telehealth: our brokers place your risk with specialized health insurers who are familiar with the requirements of the QEO and the QHR.

100% online quote, free of charge, with comparison of several Canadian insurers.