Aon Reed Stenhouse is pleased to be the assigned broker for the Canadian Association of Medical Radiation Technologists’ Professional Liability Insurance Program. Aon has been a leader in the Canadian insurance field for more than 150 years. Today, Aon Reed Stenhouse has 26 branches across Canada, with a unit dedicated solely to national group professional liability programs in the Ottawa office. Ing Novex Insurance Company of Canada will be the insurance company providing professional liability insurance to CAMRT members.

Professional Liability

• Protects you against liability/allegations for damages resulting from a negligent act, error, omission or malpractice arising out of your profession including radiography performed by Registered Technologists in Radiological Technology (RTR); radiation therapy performed by Registered Technologists in Radiation Therapy (RTT); nuclear medicine procedures performed by Registered Technologists in Nuclear Medicine (RTNM); magnetic resonance imaging performed by Registered Technologists in Radiography (RTR), Registered Technologists in Radiation Therapy (RTT) and Registered Technologists in Nuclear Medicine (RTNM); ultrasonography performed by Registered Diagnostic Medical Sonographers (RDMS); ultrasonography performed by trained Francophone medical radiation technologists (CAMRT permission required); and combined radiography and laboratory functions performed by Combined Technologists and as further defined by the Canadian Association of Medical Radiation Technologists.

• Coverage is on a "claims made" basis, which means that the policy must be in place at the time a claim is reported. If an incident occurs that may give rise to a claim, it is imperative that you report it to Aon at 1-800-951-2279 immediately.

• A former CAMRT full-practice member who either left the profession, retired or left Canada to work in another country; or who is on a temporary leave including parental, maternity or disability leave, or unemployment at the time a claim or allegation is reported to the insurer, regardless of when the incident actually occurred. However, the member must have formally notified the CAMRT of their leave and resigned in good standing before commencing their leave.

• CAMRT members who wish to have coverage while practicing ultrasonography in the areas in which they are registered must present to the CAMRT Office written evidence of holding the RDMS designation. Francophone members who complete the OTIMRO Continuing Education courses in ultrasound, pass the examinations and have a letter from their employer attesting to their competence, may apply to CAMRT for coverage.

• We recommend that you familiarize yourself with the full policy terms and conditions. For a copy of the policy, please contact Aon at 1-866-488-3451.
  

• Limits of Liability:
• Per member, Per Claim: $1,000,000
• Per Member, Annual Aggregate: $5,000,000
• Deductible: Nil

Extensions

Criminal Defense Costs Reimbursement Coverage

The Insurer will provide reimbursement for defense costs incurred during a legal proceeding provided that (a) the criminal charge arises from your practice in Canada; (b) the proceedings must pertain to alleged misconduct while rendering professional services; and (c) you are found “not guilty” of the criminal charge.

• Limits of Liability:
• Per member, Per Claim: $100,000
• Per Member, Annual Aggregate: $100,000
• Deductible: Nil

Legal Expense Coverage

The insurer will provide reimbursement for expenses incurred to defend yourself in front of a disciplinary committee. Covers members for complaints including professional misconduct, sexual abuse or sexual harassment the provincial regulatory boards.

• Limits of Liability:
  • Per member, Per Claim: $25,000
  • Per Member, Annual Aggregate: $100,000
  • Deductible: Nil

Coroner's Hearings Coverage

Reimbursement for Legal Defense Costs incurred when a member is called upon to appear before a coroner's inquest or similar inquests or commissions before which you are called upon to appear. (Not applicable if you are acting as an expert or a pure post-mortem witness.)

• Limits of Liability:
  • Per member, Per Claim: $25,000
  • Per Member, Annual Aggregate: $100,000
  • Deductible: Nil

Loss of Earnings

Covers all reasonable expenses incurred by you, at the insurer's request to assist in the investigation or defense of a claim including actual loss of earnings up to $500/day as a result of time off work..

A complete copy of the policy is available by clicking here.

For further information or to report an incident:
Crystal Morin
Client Services
Aon Reed Stenhouse Inc.
710-1525 Carling Avenue
Ottawa, ON K1Z 8R9
Toll Free: 1-866-488-3451
Tel: 613-722-7070
Fax: 613-722-2570
Email: group.programs@aon.ca

This summary is not intended to be an exhaustive review of the Policy nor is it to be relied upon as such. For greater detail or if you have any questions about your insurance coverage, please contact Aon Reed Stenhouse Inc.