As an insurance agent or broker placing coverage for healthcare professionals, you need markets that understand therapy-related exposures. Colonial General Insurance Agency, Inc. offers an Occupational Therapist Insurance program designed to place individual professional liability for occupational therapists in a variety of practice settings. Whether your client is a solo practitioner, a part-time contractor, or volunteers in the community, this program provides flexible options that supplement or replace employer-provided coverage when gaps exist.
Overview of the Program From Colonial General
Colonial General Insurance Agency is a Managing General Agency and Excess & Surplus Lines broker serving independent agents across the western United States. With access to multiple admitted and non-admitted markets, Colonial General combines underwriting reach and allied-health expertise to place occupational therapist risks. This program is tailored to the exposures therapy professionals face and is intended for individual practitioners rather than large clinic or facility risks.
Ideal Accounts and Appetite
This program is a fit when an individual occupational therapist needs their own professional liability coverage—either as standalone protection or to fill gaps in an employer policy. Typical placements include:
- Occupational therapists in private practice or small independent offices
- Part-time, per-diem, or contract therapists
- Therapists who provide home healthcare services
- Professionals engaged in volunteer or community-based therapy work
Not a good fit: large therapy clinics, multi-disciplinary facilities with many practitioners on one policy, or accounts requiring facility/general liability packaging. You should submit individual exposures with clear work setting and license information for the best results.
Example scenarios agents place well:
- A part-time occupational therapist who works at two outpatient clinics and wants an individual policy to cover work outside employer hours.
- A therapist who provides home health visits and volunteers at a nonprofit — requiring coverage for services performed away from an employer’s premises.
Coverage Highlights and Advantages
This program is designed to address common gaps and individual exposures for occupational therapists. Typical features you can expect to place include:
- Higher individual policy limits to protect clinicians when employer limits are inadequate
- Legal defense cost coverage and representation for licensing board hearings
- Reimbursement for lost wages while attending legal proceedings or hearings
- Coverage for services performed outside the primary workplace, including volunteer work and home visits
Actual terms, limits, and endorsements depend on the carrier and the therapist’s risk profile. Colonial General works to match each submission to the most appropriate market available.
Underwriting Notes and Minimum Premiums
Underwriting evaluates credentials, license status, practice setting, claims history, and procedures performed. Provide complete applications and current claims information to speed placement. Colonial General has relationships with both admitted and non-admitted carriers, which helps place risks that need flexible terms. Specific minimum premiums vary by carrier and state; submit the account to receive detailed pricing and market options.
Territories and Availability
This Occupational Therapist Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some states may offer admitted paper while others require non-admitted placement depending on carrier appetite and the individual risk.
Why Work With Colonial General?
Colonial General provides independent agents with experienced underwriting and access to a broad panel of allied-health markets. Their western U.S. focus, MGA and E&S capabilities, and familiarity with therapy-related exposures make them a responsive partner when you need flexible professional liability solutions for occupational therapists.
Frequently Asked Questions
What types of accounts are a good fit for this Occupational Therapist Insurance program?
This program is designed for individual occupational therapists—including independent practitioners, part-time clinicians, and volunteers—who need standalone or supplemental professional liability coverage.
Can this program cover therapists who work in multiple locations or on a contract basis?
Yes. The program accommodates therapists who work in varied settings such as outpatient clinics, clients’ homes, and contract assignments. Be sure to disclose multi-location and home visit activity on the application.
Are defense costs and licensing board hearings covered?
Typically yes. Policies placed through this program often include defense costs and reimbursement for licensing board hearings—coverage that may not be provided by an employer policy.
In which states is this program available?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted carriers varies by state and by specific account characteristics.
What information is needed to submit an application?
Provide a completed application with details on the therapist’s license status, work settings, services performed, and claims history. Complete submissions help Colonial General place risks more efficiently.
Need help placing an account? Connect with a market specialist.