All registrants must carry personal professional liability insurance (PLI) as a condition for licensing. This supports a judicially fair process for complainants and respondents. By having PLI, a registrant is protected professionally and financially from claims (real, alleged or false) made against them as a result of rendering professional services. The patient is protected should the claim be substantiated and damages awarded.
Registrants must provide proof of a PLI policy each year upon renewal that meets the policy requirements of the NSCMIRTP. PLI policies can be purchased through a private provider, Canadian Association of Medical Radiation technologists (CAMRT), Sonography Canada (SC), or Ontario Association of Medical Radiation Sciences (OAMRS). If you are licensed as an MRT and a DMS, one policy will cover both areas of practice.
The College mandates the registrants hold personal professional liability insurance for the following reasons:
Employer policies do not always cover expenses, such as legal defense in professional disciplinary matters.
The employer’s insurance company may sue you for reimbursement of any money they paid out as a result of your actions.
Your personal PLI follows you if you work at multiple sites with more than one employer.
When you retire or leave employment, personal PLI covers you for a period of time during which patients may still bring a claim against you.
Your employer insurance may not cover you for any advice or volunteering you do outside of your work.
The College cannot provide PLI to its registrants as this would be a conflict of interest should a complaint arise.
If you have any questions, please feel welcome to contact the College by email at email@example.com or by phone at 902.832.3167.