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.
PLI Providers
- The College does not advocate for or endorse any specific association or insurance provider.
- Below, we list two associations that include PLI as part of their membership and one insurance broker that offers PLI as a standalone service. All meet the College’s requirements for PLI.
- PLI can range from $100 to $275. The price depends on the type of coverage offered and whether the insurance is part of an association membership or bought separately as a standalone policy.
Recommendations:
We strongly recommend that you:
- Check the details for each option to make sure their coverage meets your needs.
- Click the names below for the most accurate and up-to-date information.
- If these options do not meet your needs, an insurance broker may assist in finding suitable coverage.
| Specialty | Insurance Provider |
|---|---|
| MRT | Canadian Association of Medical Radiation Technologists (CAMRT-AB) |
| MRT, ENP, DMS | Medical Imaging Ed (MIE) |
| MRT, ENP | Lloyd Sadd |
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.