Professional Liability Insurance (PLI)

The College requires all registrants to purchase their own personal professional liability insurance (PLI). even if they have coverage through their employer. This requirement protects registrants professionally and financially from claims – whether real, alleged, or false – made against them as a result of providing professional services.

Registration Requirements

As per legislation and College bylaws, all registrants holding general or temporary registration are required to have a minimum of $2,000,000 in PLI per occurrence. Registrants must declare on their application form and during annual registration renewal that they have the appropriate PLI. A false declaration may be grounds for a complaint of unprofessional conduct.

PLI providers

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

*Fees shown are approximate. Check with providers for current fees.

How Personal PLI Protects

• PLI covers expenses such as your legal defense in professional disciplinary matters.
• Employer PLI only provides coverage for civil actions (e.g. a patient sues a registrant and their employer); it 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 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 or volunteering outside your employment.
• When you retire or leave employment, you are no longer covered by your employer’s insurance. However, even after your registration has ended, patients may still bring a complaint against you for a two-year period.