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.
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 insufficient
The College encourages all regulated members to hold personal PLI even if they have coverage through their 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 defence in professional disciplinary matters.
- The employer 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 or volunteering outside your employment.
- When you retire or leave employment, you are no longer covered by your employer’s PLI but 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, and that you are aware of the risks of holding only employer PLI.
If you have any questions, please feel welcome to contact the College by email at email@example.com or by phone at 780.487.6130 or 1.800.282.2165.