I have left the profession of Occupational Therapy permanently. Do I need to continue to carry Professional Liability insurance?
All of CAOT Professional Liability Insurance policies include a no cost 12-month extended discovery period. This means that if you stop practicing Occupational Therapy for any reason and do not renew your professional liability insurance, you are covered for the next 12 months in the event a claim arises for injuries from treatment or services provided prior to the end of the policy period. After this 12 month extended discovery period is completed, you are no longer protected against professional complaints or liability claims unless you again arrange Professional Liability insurance coverage. Policies must be uninterrupted with absolutely no lapse in coverage.
