{"id":21201,"date":"2025-08-17T14:35:06","date_gmt":"2025-08-17T18:35:06","guid":{"rendered":"https:\/\/www.assur360.ca\/?page_id=21201"},"modified":"2026-04-20T15:22:53","modified_gmt":"2026-04-20T19:22:53","slug":"occupational-therapist-liability-insurance-get-a-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/occupational-therapist-liability-insurance-get-a-quote\/","title":{"rendered":"Occupational therapist liability insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360 \u2014 Assurance RC ergoth\u00e9rapeute\", \"description\": \"Assurance responsabilit\u00e9 civile pour ergoth\u00e9rapeute au Qu\u00e9bec : RC pro OEQ, E&O, t\u00e9l\u00e9travail, \u00e9quipement. Soumission gratuite en 2 minutes.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-pour-ergotherapeute\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Qu\u00e9bec, Canada\"}}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">OCCUPATIONAL THERAPISTS<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Occupational-Therapist-Liability-Insurance-in-Quebec\"><\/span>Occupational Therapist Liability Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">Private clinic, home practice, educational institutions: beyond the OEQ, protect your practice with <strong>professional liability + E&#038;O + cyber + equipment<\/strong>.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:1200px;margin:0 auto 40px;padding:0 24px;\">\n  <div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Starting at $450<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Annual premium<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">OEQ +<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Complement<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">Telehealth<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Covered<\/div>\n  <\/div>\n<div style=\"text-align:center;padding:20px 12px;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;\">\n    <div style=\"color:#10c4c7;font-size:1.8rem;font-weight:800;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:0.85rem;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">The <strong>Ordre des ergoth\u00e9rapeutes du Qu\u00e9bec (OEQ)<\/strong> 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&#8217;s home also have special requirements to meet.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/rc-ergotherapeute.jpg\" alt=\"Occupational Therapist in Consultation \u2014 Assur360 Professional Liability\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Professional-Occupational-Liability-for-Occupational-Therapists\"><\/span>Professional Occupational Liability for Occupational Therapists<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Members of the <strong>Ordre des ergoth\u00e9rapeutes du Qu\u00e9bec (OEQ), occupational therapists<\/strong> must take out a minimum professional liability by regulation. Coverage for evaluation errors, inappropriate equipment recommendations and disciplinary complaints. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Particularity:<\/strong> occupational therapists in private practice and CNESST need an extended guarantee including the <strong>defence of a complaint to the syndic<\/strong> of the OEQ. Average premium: <strong>$250 to $500\/year<\/strong>. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Occupational-Therapist-Coverage\"><\/span>Occupational Therapist Coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:1200px;margin:24px auto;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Professional liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Errors in evaluation, poor intervention plan, injury during therapy. Complements OEQ coverage. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Cyber risks<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Patient records, QHRs, therapy notes. Mandatory for Bill 25 compliance and confidentiality. <\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Adaptive equipment<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Assessment tools, orthotics, rehabilitation equipment, sensory materials.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Commercial liability<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Injured patient in your clinic, damage to rented premises.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Clinic property<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Furniture, computers, therapy equipment, leasehold improvements.<\/p>\n  <\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:1.1rem;font-weight:800;margin:0 0 12px;\">Telepractice<\/h3>\n    <p style=\"color:#334155;font-size:0.95rem;line-height:1.6;margin:0;\">Explicit coverage for telehealth consultations \u2014 include if you practice remotely.<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:40px auto;max-width:1200px;color:#ffffff;\">\n  <h3 style=\"color:#10c4c7;font-size:1.3rem;margin:0 0 16px;\">\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p style=\"color:#e2e8f0;font-size:1rem;line-height:1.7;margin:0;\">If you practice <strong>telehealth<\/strong>, check that your policy explicitly mentions <strong>remote consultations<\/strong>. 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.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" id=\"faq\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:0 auto 40px;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Is OEQ insurance enough?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">For an occupational therapist employed in an establishment: yes generally. For a <strong>private practice<\/strong>, no\u2014it lacks property, cyber, equipment, and commercial liability coverage. Add a complementary policy through your broker.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">How much does insurance cost for occupational therapists in private practice?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">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). <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Is telehealth covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, if your policy says so. Common requirements: use of a <strong>secure platform<\/strong> (Jane, Owl, Kangaroo), signed informed consent of the patient, encrypted therapy notes. An exclusion is possible for patients outside Canada.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">I work from home at my patients&#8217; homes \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via the <strong>&#8220;practice away from the office&#8221;<\/strong> addendum. Declare this practice when you subscribe. Some specific risks (falling in a poorly maintained home, animal bite) may require specific clauses.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are my expensive adaptive devices covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via equipment coverage. Equipment costing more than <strong>$5,000\/unit<\/strong> (vibration plate, high-end sensory devices) may require a detailed list. Include them in your return with invoices.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">Are my digital patient records compliant with Bill 25?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Bill 25 applies to all health professionals. You must keep a <strong>record of incidents<\/strong>, appoint a privacy officer, provide consent mechanisms. A cyber policy covers incident costs and, where insurable, administrative fines.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">I give continuing education to other professionals \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, via a <strong>training<\/strong> amendment. Report the training activity to your broker. Potential lawsuits come from participants who misuse the techniques taught \u2014 a &#8220;teaching&#8221; clause protects against this type of claim.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">A patient falls during a transfer \u2014 covered?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\">Yes, by professional or commercial liability depending on the context. If the fall occurs during a therapeutic intervention, professional liability insurance intervenes. Document the <strong>techniques used and precautions taken<\/strong> to prove the absence of fault.  <\/div>\n  <\/details>\n<details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:20px 24px;cursor:pointer;font-weight:700;color:#0d1f2d;font-size:1.05rem;list-style:none;\">The retirement of an occupational therapist \u2014 what insurance?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;line-height:1.7;\"><strong>Tail insurance<\/strong> 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. <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Occupational-therapists-throughout-Quebec\"><\/span>Occupational therapists throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:28px;margin:24px auto 40px;max-width:1200px;\">\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0 0 12px;\">Assur360 supports businesses throughout Quebec: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. 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. <\/p>\n  <p style=\"color:#334155;font-size:1rem;line-height:1.7;margin:0;\">100% online quote, free of charge, with comparison of several Canadian insurers.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Additional-Coverage-to-Consider\"><\/span>Additional Coverage to Consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;max-width:1200px;margin:24px auto;\">\n  <a href=\"\/assurance-responsabilite-professionnelle\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Professional Liability Insurance<\/div>\n  <\/a>\n<a href=\"\/assurance-responsabilite-civile-pour-nutritionniste\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Nutritionist&#8217;s liability insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Business Insurance<\/div>\n  <\/a>\n<a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:20px;text-decoration:none;color:#0d1f2d;transition:all .2s;\">\n    <strong style=\"color:#10c4c7;font-size:0.85rem;text-transform:uppercase;letter-spacing:1px;\">Also useful\u2192<\/strong>\n    <div style=\"font-weight:700;margin-top:8px;\">Cyber Business Insurance<\/div>\n  <\/a>\n<\/div>\n\n<h3 class=\"wp-block-heading\">Official references<\/h3>\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.oeq.org\/\" rel=\"nofollow noopener\" target=\"_blank\">Order of Occupational Therapists of Quebec<\/a><\/li>\n<li><a href=\"https:\/\/www.cai.gouv.qc.ca\/loi-25\/\" rel=\"nofollow noopener\" target=\"_blank\">Commission d&#8217;acc\u00e8s \u00e0 l&#8217;information \u2014 Bill 25<\/a><\/li>\n<li><a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurances\/\" rel=\"nofollow noopener\" target=\"_blank\">Autorit\u00e9 des march\u00e9s financiers<\/a><\/li><\/ul>\n\n<div style=\"background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:30px;margin:40px auto;max-width:1200px;\">\n  <h3 style=\"color:#0d1f2d;font-size:1.15rem;margin:0 0 16px;\">\ud83d\udee1 Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">AMF<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Certified brokers<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">ChAD<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Insurance Chamber<\/div>\n    <\/div>\n    <div style=\"text-align:center;padding:12px;\">\n      <div style=\"color:#10c4c7;font-size:1.5rem;font-weight:800;\">100K+<\/div>\n      <div style=\"color:#334155;font-size:0.85rem;\">Submissions processed<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto 40px;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-free-quote\"><\/span>Get your free quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best coverage.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"L'assurance de l'OEQ suffit-elle ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour un ergoth\u00e9rapeute salari\u00e9 dans un \u00e9tablissement : oui g\u00e9n\u00e9ralement. Pour une <strong>pratique priv\u00e9e, non \u2014 il manque la couverture biens, cyber, \u00e9quipement et RC commerciale. Ajoutez une police compl\u00e9mentaire via votre courtier.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte l'assurance pour ergoth\u00e9rapeute en pratique priv\u00e9e ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Entre 450 $ et 1 400 $ par ann\u00e9e pour une pratique solo incluant RC pro compl\u00e9mentaire, cyber, biens et \u00e9quipement. Les cliniques multidisciplinaires paient davantage selon la taille (1 500 $ \u00e0 4 500 $).\"}}, {\"@type\": \"Question\", \"name\": \"La t\u00e9l\u00e9sant\u00e9 est-elle couverte ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si votre police le mentionne. Exigences courantes : utilisation d'une <\/strong><strong>plateforme s\u00e9curis\u00e9e (Jane, Owl, Kangourou), consentement \u00e9clair\u00e9 du patient sign\u00e9, notes de th\u00e9rapie chiffr\u00e9es. Une exclusion est possible pour les patients hors Canada.\"}}, {\"@type\": \"Question\", \"name\": \"Je travaille \u00e0 domicile chez mes patients \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via l'avenant <\/strong><strong>\u00ab practice away from the office \u00bb. D\u00e9clarez cette pratique \u00e0 la souscription. Certains risques particuliers (chute dans un domicile mal entretenu, morsure d'animal) peuvent n\u00e9cessiter des clauses sp\u00e9cifiques.\"}}, {\"@type\": \"Question\", \"name\": \"Mes \u00e9quipements adaptatifs co\u00fbteux sont-ils couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via la couverture \u00e9quipement. Les \u00e9quipements de plus de <\/strong><strong>5 000 $\/unit\u00e9 (plateforme vibrante, appareils sensoriels haut de gamme) peuvent n\u00e9cessiter une liste d\u00e9taill\u00e9e. Incluez-les dans votre d\u00e9claration avec factures.\"}}, {\"@type\": \"Question\", \"name\": \"Mes dossiers patients num\u00e9riques sont-ils conformes Loi 25 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La Loi 25 s'applique \u00e0 tout professionnel de la sant\u00e9. Vous devez tenir un <\/strong><strong>registre des incidents, nommer un responsable de la protection des renseignements, offrir des m\u00e9canismes de consentement. Une police cyber couvre les frais d'incident et, lorsque assurable, les amendes administratives.\"}}, {\"@type\": \"Question\", \"name\": \"Je donne des formations continues \u00e0 d'autres professionnels \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, via un avenant <\/strong><strong>formation. D\u00e9clarez l'activit\u00e9 de formation \u00e0 votre courtier. Les poursuites potentielles viennent de participants qui utilisent mal les techniques enseign\u00e9es \u2014 une clause \u00ab teaching \u00bb prot\u00e8ge contre ce type de r\u00e9clamation.\"}}, {\"@type\": \"Question\", \"name\": \"Un patient chute pendant un transfert \u2014 couvert ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, par la RC professionnelle ou commerciale selon le contexte. Si la chute survient pendant une intervention th\u00e9rapeutique, c'est la RC pro qui intervient. Documentez les <\/strong><strong>techniques utilis\u00e9es et pr\u00e9cautions prises pour prouver l'absence de faute.\"}}, {\"@type\": \"Question\", \"name\": \"La retraite d'un ergoth\u00e9rapeute \u2014 quelle assurance ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'<\/strong><strong>assurance \u00ab tail \u00bb couvre les r\u00e9clamations futures pour des interventions effectu\u00e9es avant la retraite. L'OEQ offre cette couverture ; pour la partie commerciale (cyber, biens), discutez avec votre courtier si vous conservez un inventaire de dossiers.\"}}]}\n<!-- wpml:html_fragment <\/strong><\/script>  -->\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance entreprise\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance RC ergoth\u00e9rapeute\", \"item\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-pour-ergotherapeute\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>OCCUPATIONAL THERAPISTS Occupational Therapist Liability Insurance in Quebec Private clinic, home practice, educational institutions: beyond the OEQ, protect your practice with professional [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":45249,"parent":15787,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Occupational Therapist Insurance Quebec 2026 | Professional RC OEQ, E&O","_seopress_titles_desc":"Occupational therapist liability insurance in Quebec: professional liability insurance OEQ, E&O, telecommuting, equipment. 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