Professional Liability Insurance (PLI)

The College requires all registrants to purchase their own professional liability insurance (PLI), even if they have coverage through their employer. This requirement is necessary as it provides coverage for claims of unprofessional conduct – whether real, alleged, or false – made against a registrant.

The practice of MRTs and ENPs includes more than just clinical practice, including education, management, supervision, administration, or research. Anyone can submit a complaint, not just patients. In addition to complaints received during employment, personal PLI covers you for allegations of unprofessional conduct outside the employment setting, such as in personal interactions and communications, social media posts, misuse of title, failure to comply with the Continuing Competence Program (CCP), volunteering, or “any conduct that harms the integrity of the profession”.

Registration Requirements

As per the Health Professions Act (HPA) and College bylaws, all registrants holding general or temporary registration and practice permit:

• must be the policyholder, and
• the policy must provide a minimum of $2,000,000 in PLI per occurrence.

Registrants must declare on their application form and during annual practice permit renewal that they will have the appropriate PLI by their practice permit effective date. A false declaration may be grounds for a complaint of unprofessional conduct.

For Renewal 2025: Effective January 1

The deadline to have your own personal Professional Liability Insurance (PLI) effective for the upcoming year is January 1, 2025.

When it’s time for the Renewal process, you will be asked to declare whether you have your own PLI for 2025. As long as you’re set up by then, you’ll be able to answer with confidence.

PLI Providers

There are many providers for personal professional liability insurance, including the following. We recommend evaluating coverage details to make an informed choice.

While we share some PLI providers that meet our requirements below, we understand these options may not be ideal given your needs. While we would like to provide more tailored options, we are limited by the regulatory framework and resources available to us. An insurance broker may be able to help you find coverage that meets the requirements.

The College has no affiliation with insurance providers.

*Fees shown are approximate as of 2024-11-29. Check with providers for current rates.

Why PLI is Necessary

• Personal PLI covers expenses such as your legal defense in professional disciplinary matters.
• Personal PLI covers you for allegations of unprofessional conduct outside the employment setting, such as in personal interactions, social media posts, personal communications, or volunteering.
• Employer PLI does not pay any costs for professional disciplinary matters undertaken by the College (e.g. a complaint is made to the College about the actions of a registrant) which can cost a registrant thousands of dollars.
• Your employer’s insurer may require you to cover your defense costs upfront, or may sue you for reimbursement of any money they paid out due to your actions.
• Your employer’s insurance does not follow you if you work at multiple sites with more than one employer outside your employment.
• When you retire or leave employment, you are no longer covered by your employer’s insurance.