Professional Liability Insurance (PLI)

Professional Liability Insurance (PLI)2024-07-08T10:23:45-06:00

The requirement for professional liability insurance (PLI) is in place to protect both the patient and the member. By having PLI, a member is protected professionally and financially from claims (real, alleged, or false) made against the member as a result of rendering professional services. The patient is protected should the claim be substantiated, and damages awarded.

Registration requirements

As per legislation, all regulated College members (members who hold general or temporary registration) are required to have a minimum $2,000,000 PLI per occurrence. Members must provide confirmation of PLI through their application form and during the annual registration renewal process.

PLI providers

There are many sources for PLI including, but not limited to, the following options.

Specialty Provider Option that meets College registration requirements
MRT Canadian Association of Medical Radiation Technologists (CAMRT-AB) $235
MRT, ENP, DMS Medical Imaging Ed (MIE) $149

We recommend evaluating coverage details to make an informed choice.

Employer coverage alone is insufficient

The College requires all registrants to purchase their own PLI even if they have coverage through their employer. There are risks for registrants who rely solely on employer insurance, which include, but are not limited to:

  • Your employer’s insurance do not always cover expenses such as legal defence in professional disciplinary matters.
  • Your employer’s insurer may sue you for reimbursement of any money they paid out as a result of your actions.
  • Your employer’s insurance does not follow you if you work at multiple sites with more than one employer or volunteering outside your employment.
  • When you retire or leave employment, you are no longer covered by your employer’s insurance even though there is a period of time (two years after the end of your regulated status) during which patients may still bring a claim against you.

Essentially, employer PLI policies generally protect the employer and have limitations that do not necessarily protect the employee.

Your declaration during renewal states you are responsible for selecting your PLI provider and understanding the coverage they provide.

If you have any questions, please feel welcome to contact the College by email at registration@acmdtt.com or by phone at 780.487.6130 or 1.800.282.2165.

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