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Protect the career and reputation you’ve worked so hard to build.

As an occupational therapist, you work hard to protect and care for your patients, but you can’t care for your patients unless you take care of yourself as well.

Cinch™ offers industry-leading medical malpractice insurance for OTs with the speed and ease that you’ve come to expect from modern, technology-focused companies. The efficiency we’ve built into the process means lower prices. (On average, we save customers 20%.)* You can get a quick quote and buy coverage that’s effective today, or up to a year in advance. And since Cinch is as a part of Berkshire Hathaway Specialty Insurance (BHSI), you can feel secure knowing that you’re partnering with a company that’s focused on the long term.

Why Should I Choose Cinch for My Medical Malpractice Insurance?

At Cinch, we’re working to create a better insurance experience by offering affordable coverage and outstanding service. Here are a few things that set us apart:

  • Financial Stability: BHSI is part of Berkshire Hathaway’s National Indemnity group of insurance companies, consisting of National Indemnity and its affiliates, which hold financial strength ratings of A++ from AM Best and AA+ from Standard & Poor’s.
  • Industry-Leading Claims Support: With a nationwide network of experienced claims handlers, our team will be right there to help you navigate the process if a claim is ever filed against you.
  • Competitive Pricing: Buying direct from us can save customers as much as 20%—and, in some cases, even more.*
  • Simplified Experience: We’ve created a modern and intuitive digital insurance experience. You’ll get your policy documents as soon as you purchase, and you’ll be able to access your online account 24 / 7. We also aim to cut the jargon and talk to you like the smart, professional HUMAN that you are.

Why Do Occupational Therapists Need Malpractice Insurance?

Simply put: You could get sued, or you could be sued in a group claim involving the doctors, nurses, and therapists who were working with one patient. Ultimately, you want to protect yourself and your career. With medical malpractice insurance in place, you’ll get a team to protect your best interests and insurance for the expenses that result from your defense and any damages that need to be paid.

My Hospital/Practice Offers Med Mal for Its Employees. Do I Need More?

You should consider having your own insurance policy to protect your interests. Even if your employer provides coverage, here are some important things to consider:

  • If a fellow employee submits a claim against you, your company’s policy may exclude coverage for claims of one employee against another employee.
  • If you’ve changed jobs and a claim is filed against you for actions while you were with your previous employer, the prior company policy may not cover you if you no longer work there.
  • Your employer’s policy may not cover your lost wages accruing while you attend legal proceedings.
  • If a number of employees are named in the same claim, your employer’s policy may not have adequate limits to protect you and your fellow employees.

Having your own policy can help you feel more comfortable if a claim is filed against you. With your own policy, you’ll have access to your own legal representation, and the resources of the policy aren’t shared amongst multiple insureds.

How Much Would a Occupational Therapist Medical Malpractice Policy Cost?

Medical malpractice insurance policies for OTs start at about $150 a year. However, the price of your particular policy will depend on a number of different factors, including—but not limited to—where you work, how often you work, and how many years of experience you have.**

The best way to get an accurate idea of what your policy would cost is by filling out our quick online application to receive a quote. The process takes a minute or two, and—if you choose to purchase—your policy can go into effect any day you’d like, including today.

I Work in Different Locations (e.g., Office, School, or Facility). Does the Cinch Policy Cover Me Everywhere?

Yes, your policy does follow you. If you practice in more than one state, here’s what you’ll need to do: On your application, simply select the state in which you primarily practice or do the majority of your work. Your Cinch policy follows you across all 50 states (and Washington D.C.), so work performed outside of your primary state will be covered under your policy.**

Still have questions? Feel free to call us at 844-716-8418; our advisors would be happy to discuss the details with you.

“We started Cinch because we believe that we can make insurance better, faster, and more affordable by offering you a direct connection with an insurance company that cares about your needs. That means that you buy directly from us and you talk directly to us. We know you expect fast, seamless results from a company that really understands you—and that emphasis on technology, compassion, and customer satisfaction is all built into the Cinch mission.”

Adam Yasan

VP, Cinch

*“20% savings” is based on industry pricing averages.

**Terms, pricing, and conditions of coverage may vary—please refer to your particular policy for more details.

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