{"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":"2026-06-26T02:37:29","modified_gmt":"2026-06-26T06:37:29","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":"&#8220;`html\n\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 Occupational Therapist Liability Insurance\", \"description\": \"Liability insurance for occupational therapists in Quebec: professional liability, E&O, telework, equipment. Free quote in 2 minutes.\", \"url\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-pour-ergotherapeute\/\", \"telephone\": \"1-866-357-4451\", \"areaServed\": {\"@type\": \"Place\", \"name\": \"Quebec, 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&#8220;`\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 insurance 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 insurance 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 insurance 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 insurance 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;\">Chamber of Insurance<\/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\": \"Is the insurance from the OEQ sufficient?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"For an employed occupational therapist in an establishment: yes, generally. For a <strong>private practice, no \u2014 it lacks coverage for property, cyber, equipment, and commercial liability. Add a supplementary policy through your insurance broker.\"}}, {\"@type\": \"Question\", \"name\": \"How much does insurance cost for an occupational therapist in private practice?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Between $450 and $1,400 per year for a solo practice including supplementary professional liability, cyber, property, and equipment. Multidisciplinary clinics pay more depending on size ($1,500 to $4,500).\"}}, {\"@type\": \"Question\", \"name\": \"Is telehealth covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, if your policy mentions it. Common requirements: use of a <\/strong><strong>secure platform (Jane, Owl, Kangourou), signed informed consent from the patient, encrypted therapy notes. An exclusion may apply for patients outside Canada.\"}}, {\"@type\": \"Question\", \"name\": \"I work from home with my patients \u2014 covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through the endorsement <\/strong><strong>\u2018practice away from the office\u2019. Declare this practice at underwriting. Some specific risks (falling in a poorly maintained home, animal bite) may require specific clauses.\"}}, {\"@type\": \"Question\", \"name\": \"Are my expensive adaptive equipment covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through equipment coverage. Equipment over <\/strong><strong>$5,000\/unit (vibrating platform, high-end sensory devices) may require a detailed list. Include them in your declaration with invoices.\"}}, {\"@type\": \"Question\", \"name\": \"Are my digital patient records compliant with Law 25?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Law 25 applies to all health professionals. You must maintain a <\/strong><strong>record of incidents, appoint a person responsible for information protection, and provide consent mechanisms. A cyber policy covers incident costs and, when insurable, administrative fines.\"}}, {\"@type\": \"Question\", \"name\": \"I provide continuing education to other professionals \u2014 covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, through an endorsement <\/strong><strong>training. Declare the training activity to your insurance broker. Potential lawsuits come from participants who misuse the techniques taught \u2014 a \u2018teaching\u2019 clause protects against this type of claim.\"}}, {\"@type\": \"Question\", \"name\": \"A patient falls during a transfer \u2014 covered?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Yes, under professional or commercial liability depending on the context. If the fall occurs during a therapeutic intervention, it is the professional liability that applies. Document the <\/strong><strong>techniques used and precautions taken to prove the absence of fault.\"}}, {\"@type\": \"Question\", \"name\": \"Retirement of an occupational therapist \u2014 what insurance?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The <\/strong><strong>\u2018tail\u2019 insurance covers future claims for interventions performed before retirement. The OEQ offers this coverage; for the commercial part (cyber, property), discuss with your broker if you retain an inventory of records.\"}}]}\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\": \"Home\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Business Insurance\", \"item\": \"https:\/\/assur360.ca\/assurance-entreprise\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Occupational Therapist Liability Insurance\", \"item\": \"https:\/\/www.assur360.ca\/assurance-responsabilite-civile-pour-ergotherapeute\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;`html OCCUPATIONAL THERAPISTS Occupational Therapist Liability Insurance in Quebec Private clinic, home practice, educational institutions: beyond the OEQ, protect your practice with [&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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