Coverage Details

Summary of Coverage

CAMRT 2022 PLI Brochure

Complete Policy – A copy of the full policy is available to members by logging into their CAMRT Member Account.

Claims-Made vs. Occurrence

Professional liability insurance is based on a “claims-made” approach rather than on an “occurrence” approach. In a claims-made policy, coverage is triggered by the date the insured member first became aware of the possibility of a claim and notified the insurer of such knowledge.  The insurance policy in force on the date the insured member gained such awareness is the one which responds to the claim.  The policy period for a claims-made policy will extend backwards in time to a “retroactive date” years before the policy was purchased.  Therefore, the policy will provide coverage for claims made today stemming from actions or events all the way back to that retroactive date. A claims-made policy requires the claim be made during the policy period or an extended reporting period (“ERP”).

Coverage that goes where you go…

Your personal PLI through CAMRT is mobile and “follows” you wherever you work or volunteer. The policy territory coverage is anywhere within Canada. This means that the incident upon which the claim is based must have occurred within Canada. However, the policy does include a 90-day out-of-country extension in the event an MRT must work temporarily outside of Canada to accompany a Canadian patient, attend academic courses or participate in a professional exchange program with another country. Note if you give any advice or treatment outside of your employment, your employer’s policy will not cover you.

Unlimited Extended Reporting Period

A unique feature of the CAMRT PLI policy is that it has an unlimited extended reporting period at no extra cost for all MRTs who have left the profession, whether temporarily or permanently, for various reasons including retirement, change of profession, maternity leave, unemployment, disability leave etc.
It is crucial to note, however, that if a member returns to practice, they must reinstate their CAMRT professional liability insurance coverage prior to returning to practice regardless of the circumstance (returning full time, part-time, casual or a one-time shift). Returning to practice and failing to reinstate CAMRT PLI will void this extended reporting period coverage. 

Don’t be Fooled. Not all Policies are the Same!

Workplaces and unions may offer insurance, BUT not all policies are the same. Other policies may leave you vulnerable in the case of a claim. CAMRT membership has you covered.

If your employer states they provide you with PLI, make sure to fully investigate the extent of the coverage.

 

Things to consider:

  • Are you covered for a hearing with your regulatory body or your provincial organization? The majority of claims are made through the provincial regulatory bodies and many insurance programs do not include coverage with regulatory bodies.
  • Are you covered for legal defense insurance for court cases filed under the Criminal Code?
  • Will your employer insurance still cover you if you are fired you over an incident? Likely not.
  • Is your employer insurance a shared limit of liability for all employees? If there is a large claim that involves multiple people in your hospital, there may not be enough money to cover everyone named in the claim. If the money runs out before your claim is addressed, it could leave you unprotected.

With the CAMRT PLI policy, you do not have to worry about any of the above. Our policy covers all of this and more.

Download this comparison chart to compare our policy against others.

Comparison Chart