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.
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.
The College encourages all regulated members to hold personal PLI even if you have coverage through your employer. There are risks for regulated members who rely solely on employer insurance, which include, but are not limited to:
- Employer policies do not always cover expenses such as legal defense in professional disciplinary matters.
- The employer’s insurance company may sue you for reimbursement of any money they paid out as a result of your actions.
- Employer PLI does not follow you if you work at multiple sites with more than one employer.
- When you retire or leave employment, you are no longer covered by your employer PLI but there is a period of time during which patients may still bring a claim against you.
- Your employer insurance may not cover you for any advice or volunteering you do outside of your work.
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, and that you are aware of the risks of holding only employer PLI.
There are many sources for personal PLI including, but not limited to, CAMRT, Sonography Canada and Medical Imaging Ed. The College cannot provide PLI to its members as this would be a conflict of interest should a complaint arise.
If you have any questions, please feel welcome to contact the College by email at firstname.lastname@example.org or by phone at 780.487.6130 or 1.800.282.2165.