Orthotic & Prosthetic

Full Coverage for Orthotic & Prosthetic Practitioners

Orthotic and Prosthetic providers specialize in helping people find comfort and regain their independence. With coverage provided by VGM Insurance, your O&P practice can continue that important mission. We offer a broad portfolio of policy options that give you all the coverage you need while controlling costs. You make sure your patients have all the support they need, now let us give you the peace of mind and protection your business deserves. Get started by contacting us to request your quote today.

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Who Should Get Orthotic & Prosthetic Insurance?

Our orthotic and prosthetic insurance policies are customized to fit the unique needs of the O&P profession and includes preferred pricing for ABC/BOC certified practitioners. Our team of experts will make sure your business has all the coverage you need. Our program is designed for:

Orthotic and Prosthetic Practices and Services
Custom Fitters
Central Fabricators
Prosthetic Manufacturers
Post-mastectomy and Women’s Health Boutiques

Exclusive
Workers’ Compensation Program

We live O&P. We understand the specialized nature of this important profession—and that it comes with specialized challenges and risks. Our proprietary Workers’ Compensation program is designed to fit the unique needs of an O&P practice. And our intimate knowledge of your practice’s day-to-day allow us to bring you competitive pricing, streamlined processes, and customer service you won’t find anywhere else. Click the button below to learn more about our Workers' Compensation program and to start the quote process today.

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Orthotic & Prosthetic Coverage Options

We have over 30 years of experience developing insurance solutions for O&P professionals, so we know what kind of coverage you need to make sure your business is protected. Our O&P insurance options include:

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Flexibility: We can work directly with your current broker.
Enhanced Coverage and Competitive Pricing: Our programs are designed by industry experts, providing the coverage your business needs at competitive prices.
Trusted Carrier Partners: We work only with A.M. Best ‘A’ Rated or higher carriers. You can trust us to protect your business.
Risk Management Expertise: Access to our full portfolio of risk management resources helps you manage your risk and defend your business.

Program Highlights

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O&P Insurance Program FAQs

What is orthotic and prosthetic insurance for O&P practices?

Orthotic and prosthetic insurance is business insurance designed to help protect O&P practices from risks such as patient-related claims, professional liability exposures, property damage, and employee incidents. Coverage is tailored to the unique challenges associated with providing orthotic and prosthetic care, helping businesses address exposures common to the profession.

Who needs orthotic and prosthetic insurance?

Orthotic and prosthetic insurance is designed for a variety of businesses and professionals throughout the industry, including:

Orthotic and prosthetic practices and service providers
Custom fitters
Central fabricators
Prosthetic manufacturers
Post-mastectomy and women’s health boutiques

Organizations involved in the design, fabrication, fitting, or delivery of orthotic and prosthetic devices can benefit from coverage tailored to their specific operations.

What insurance does an orthotic and prosthetic practice need?

Many O&P practices consider a combination of coverages that may include:

Professional Liability Insurance
General Liability Insurance
Workers’ Compensation Insurance
Property Insurance

Additional coverages such as Cyber Liability, Employment Practices Liability, or Directors & Officers Liability may also be appropriate based on the nature and complexity of your operations.

What does professional liability insurance cover for O&P providers?

Professional liability insurance is designed to help address claims related to the services you provide. This may include allegations involving patient care, orthotic or prosthetic device fitting, treatment recommendations, or other professional services delivered as part of your practice.

What does general liability insurance cover for an O&P business?

General liability insurance typically applies to third-party bodily injury and property damage claims. Examples may include a visitor injured at your facility or accidental damage caused to another person’s property during the course of business operations.

Do orthotic and prosthetic practices need workers’ compensation insurance?

If your organization has employees, workers’ compensation insurance can help provide protection for work-related injuries and associated costs. This coverage is especially important in clinical, fabrication, and manufacturing environments where employees may work with tools, equipment, or directly assist patients.

What types of coverage are included in an orthotic and prosthetic insurance program?

Coverage options available through an orthotic and prosthetic insurance program often include:

General Liability
Professional Liability
Property Insurance
Business Auto Insurance
Workers’ Compensation
Excess Liability
Cyber Liability
Employment Practices Liability
Directors & Officers (D&O) Liability
Surety Bonds

Coverage needs may vary depending on the services provided, number of employees, business locations, and overall risk profile of the organization.

Are there any pricing benefits for certified O&P practitioners?

The program offers preferred pricing opportunities for practitioners who hold certification through organizations such as the American Board for Certification in Orthotics, Prosthetics & Pedorthics (ABC) or the Board of Certification/Accreditation (BOC). These pricing considerations recognize the specialized expertise and professional standards maintained by certified practitioners.

Can I keep my current insurance broker and still use this program?

Yes. The program is designed to be flexible and can work alongside your current insurance broker or agent. This allows practices to explore specialized coverage options while continuing to work with trusted insurance professionals.

How do I get a quote for orthotic and prosthetic insurance?

You can begin the quote process by submitting your practice and contact information through the program’s request-a-quote form. This allows insurance professionals to review your operations, evaluate potential risks, and develop coverage recommendations that align with your business needs.

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