Professional Liability Insurance for Clinics

Think of it as malpractice insurance for your business name.

BMS logoIf you employ OTs and/or OTAs, you should consider this additional coverage, which protects your business assets in the event that your business name is included in a statement of claim or lawsuit. Think of it as malpractice insurance for your business name.

In the event of a claim, both the treating professional (occupational therapist) and the clinic are likely to be named in a statement of claim or lawsuit. The Clinic Professional Liability Insurance protects the clinic and its assets in such circumstances. You should purchase this coverage if you have other occupational therapists working for or on behalf of your clinic and billing under your clinic name. Coverage is provided on a “claims made” basis and will respond to claims first known and reported during the policy period. Each employee rendering a professional service must provide confirmation that they carry their own individual professional liability insurance. 

If you work independently or are a sole proprietor with no other health professionals billing under your business name, your CAOT individual PLI policy will automatically extend to cover your business name.

Purchase your CAOT Professional Liability Insurance  for clinics when you renew or join. If you’re a current member, and would like to add insurance to your membership, please contact your CAOT membership team:

1(800) 434-CAOT (2268) Vickie (bilingual) x 221 and Chris x 246 or membership@caot.ca Monday to Friday 9 am - 5 pm ET

For access to your current insurance certificate, login to My Account.

Coverage is also available for multi-disciplinary clinics if you have other health professionals beyond OTs and OTAs providing services on behalf of your clinic.

Get everything you need to protect your clinic, including contents coverage, crime and business interruption, and commercial general liability insurance with our Clinic Package. Cyber Security and Privacy Liability Coverage is also available to meet the increased exposures related to potential data security and privacy breaches.

Purchase these extra Clinic Packages from BMS Group: 1-855-318-6024 or caot.insurance@bmsgroup.com