Coverage

Not sure what to purchase? Read below for a description of the coverages available:

Mandatory coverages

• Professional Liability
• Sexual Abuse Therapy
• Counselling Fund Coverage

 

Coverage for an unintentional/negligent mistake while performing services under the scope of an Occupational Therapist. This includes legal expenses coverage and criminal defense costs reimbursement.

Example: An improper assessment of a patient results in their injury and you are sued for negligence.

Coverage included in your Professional Liability Insurance

Legal expenses

 

Provides coverage for complaints including professional misconduct, sexual abuse or sexual harassment filed with the provincial regulatory boards. Theinsurer will provide coverage for legal expenses applicable to any disciplinary/investigation proceedings with a regulator/provincial college.

Criminal defense costs reimbursement

 

Covers you for a court case filed under the criminal code. Since criminal acts are excluded, the insurer does not have the duty to defend. The insurer, will pay on behalf of the insured party, provided:

• the criminal charge arises from the individual's practice in Canada, and
• the insured individual is found not guilty of the criminal charge.

 

Please note: Includes the sexual abuse therapy and counseling fund coverage for insured persons in Canada. This endorsement provides a maximum funding of $20,000 for the rehabilitation of a person who, while a patient, suffered abuse in the course of an insured person's practice of occupational therapy.

Optional coverages

Commercial General Liability

 

Coverage for bodily injury or property damage to a third party.

Example: When visiting a client, you accidentally spill coffee on the floor and they slip and fall. If you are named in a lawsuit, Commercial General Liability coverage protects you.

Clinic professional liability insurance

 

Clinic coverage extends limits of liability to protect the clinic in the event the clinic is named in a claim involving an employee or owner of the clinic. This coverage provides protection for billed occupational therapy services. The cost for this coverage is based on the number of professionals.

If additional health services are provided in a clinic, coverage for multiple disciplines should be purchased. If you require multidisciplinary clinic insurance, please complete an Aon Healthcare Advantage application for coverage.

Extended reporting period

 

Extended reporting period coverage can be provided to those individuals who are suspending or discontinuing their practice:

• 12 months for $50 additional cost
• 24 months for $100 additional cost
• 36 months for $150 additional cost
• 60 months for $200 additional cost
• Unlimited time for $250 additional cost