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Professional Liability Insurance - Electroneurophysiology Technologists



As an exclusive benefit for Canadian Association of Electroneurophysiology Technologists (CAET)
 Members we are pleased to offer Professional Liability Insurance (PLI).  CAET has partnered with OAMRS to ensure that you receive the best industry PLI coverage at the lowest rate.

What is PLI

As a healthcare professional, you help improve the quality of life for Canadians but in doing so you expose yourself to various liabilities. Professional Liability Insurance (PLI) provides protection against malpractice claims arising from real or alleged errors or omissions, including negligence. For Electroneurophysiology Technologists PLI is commonly referred to as, "Medical Malpractice Insurance" or "Errors and Omissions" policy. PLI protects you against bearing the full cost of defending yourself and the risk of losing your own personal assets (house, car, savings, wages etc.)


Why you need coverage

  • The public & legal system expects more from today’s healthcare professionals
  • A claim can be devastating financially, even if frivolous (which many claims are)
  • Most Electroneurophysiology Technologists faced with a claim never thought it would happen to them.


Why your employer’s insurance is not enough

Adequate liability insurance is crucial to your career, and coverage provided by your employer may not be sufficient. Having your own policy guarantees that a claim made against you will be covered, even if you change employers. It is recommended that you purchase your own personal protection that goes beyond the limitations of most employer-provided programs for the following reasons:

  • Having you own policy means your insurance is portable so if you change jobs or employers your coverage will follow you
  • Good Samaritan coverage – Your employer may not cover you for any advice or volunteering you do outside of your work
  • Many employer insurances have a shared limit of liability for all employees. This limit may not be enough to cover you and your personal assets could be at risk to cover the difference.
  • Your employer’s insurance may have a large deductible, greater than your total defense and settlement costs
  • Most employer policies will only cover the settlement for damages for malpractice. They may not cover legal defense before a regulatory disciplinary committee or criminal defense costs

 


PLI Plans


Associate Platinum $199

Professional Liability Insurance  (Errors & Omissions/Malpractice) - $5,000,000 coverage.  Recommended coverage.
  • Extended Reporting Period – 7 years
  • Regulatory Disciplinary Coverage for Legal Representation - $50,000 per claim/ $100,000 per policy term
  • Criminal Defence Reimbursement - Legal expense of $50,000 perclaim/$100,000 per policy term when proven innocent as defined by the policy
  • Expenses to assist in investigation or defence - If the insurance company requests you to assist in the investigation or defence of a claim they will pay all reasonable expenses incurred including loss of earnings up to the policy limit
  • Abuse Coverage - defense costs reimbursement - $1,000,000 claim/policy term as more clearly defined in the policy
  • Cyber Security and Privacy - $25,000 claim/policy term
  • No Deductible - $0
  • Across Canada Coverage - 24/7 in all employment and volunteer circumstances anywhere in Canada+


Associate PLUS $149

Professional Liability Insurance  (Errors & Omissions/Malpractice)- $2,000,000 coverage.

  • Extended Reporting Period – 7 years
  • Regulatory Disciplinary Coverage for Legal Representation - $50,000 per claim/ $100,000 per policy term
  • Criminal Defence Reimbursement - Legal expense of $50,000 perclaim/$100,000 per policy term when proven innocent as defined by the policy
  • Expenses to assist in investigation or defence - If the insurance company requests you to assist in the investigation or defence of a claim they will pay all reasonable expenses incurred including loss of earnings up to the policy limit
  • Abuse Coverage - defense costs reimbursement - $1,000,000 claim/policy term as more clearly defined in the policy
  • Cyber Security and Privacy - $25,000 claim/policy term
  • No Deductible - $0
  • Across Canada Coverage - 24/7 in all employment and volunteer circumstances anywhere in Canada+


Insurance expires December 31st. To ensure ongoing insurance coverage, please renew by December 31st.

 

+ Restrictions apply in Quebec.  For more information please contact membership@oamrs.org
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Ontario Association of Medical Radiation Sciences (OAMRS)

Medical Imaging Ed is a division of OAMRS providing CPD and Sonography PLI across Canada. 
415A - 175 Longwood Rd S,
Hamilton, ON L8P 0A1
Phone: 289-674-0034
Fax: 289-674-0037
Toll-Free: 1-800-387-4674
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