Professional Liability Insurance

BMS Group Inc. is pleased to be the assigned broker for the Canadian Association of Medical Radiation Technologists’ Professional Liability Insurance (PLI) Program. CAMRT’s PLI program is part of the Healthcare Professionals Insurance Alliance – a program under the BMS Group umbrella.

BMS Group is a Lloyds of London Broker with a Canadian operation focused exclusively on delivering practice insurance products to association members. BMS has assembled a team of Canada’s experts in this field to design and manage insurance programs that are most advantageous for associations and members. Their specialized health care and insurance experts are available 24/7 to answer any questions members might have about coverage or the program.

Novex Insurance Company of Canada is the insurance company providing professional liability insurance to CAMRT members.

The 2021 Policy Is Available to Download

Who is an Insured

All CAMRT Full Practice, Limited Practice, Temporary Practice and Life Members have automatic PLI coverage as part of their annual membership dues, and are covered in the course of providing “professional services” – see definition below.

Professional Services

“Professional Services” means those professional services rendered by the “Insured” while either:

a) practicing the profession of medical radiation technology within the scope of practice of the Insured as defined by the regulatory authority for the profession in the province in which the Insured practices or, in the absence of a regulatory authority, the CAMRT; or

b) engaged within a position responsible for the practice of others of the profession of medical radiation technology or directly related to the practice of medical radiation technology; or

c) performing ultrasound provided the Insured:

i) is registered with Sonography Canada or the American Registry for Diagnostic Medical Sonography (ARDMS) and practicing within the scope of practice of their earned sonography credential (proof of registration required); or

ii) has successfully completed the necessary training in the relevant discipline of ultrasound and has been recognized by their regulatory authority where such regulatory authority exists; or

iii) has successfully completed a continuing education program in ultrasound offered by the Ordre des technologues en imagerie médicale, en radio-oncologie et en électrophysiologie médicale du Québec in the relevant discipline of and has provided a letter from their employer attesting to their competence.

Coverage is on a “claims made” basis, which means that the policy must be in place at the time a claim is reported. If an incident occurs that may give rise to a claim, it is imperative that you report it to BMS Specialty Risk ar 1-855-318-6558 immediately.

Special note: Although the CAMRT professional liability insurance coverage is written on a “claims made” policy form, members do not need to purchase insurance coverage if they are on a permanent or temporary leave from practice of the profession (eg. paternal, maternity, disability leave, unemployment etc). In these circumstances the policy provides automatic coverage for claims arising out of errors, omissions or negligent acts in rendering of professional services prior to the commencement date of any employment leave. It is imperative to note however that members must reinstate the professional liability insurance coverage prior to returning to practice regardless of the circumstance (full time, part-time, casual or a one-time shift) and date. Please notify the CAMRT, through your provincial association, if you are taking a leave from employment in the practice of the profession. Should you wish to maintain your involvement in the association as a member while on leave, you may purchase a non-practicing membership during your leave period.

CAMRT members who wish to have coverage while practicing ultrasonography in the areas in which they are registered must present to the CAMRT Office written evidence of holding the RDMS designation. Francophone members who complete the OTIMROEPMQ Continuing Education courses in ultrasound, pass the examinations and have a letter from their employer attesting to their competence, may apply to CAMRT for coverage.

Limits of Liability:

  • Per member, Per Claim: $5,000,000
  • Per Member, Annual Aggregate: $5,000,000
  • Deductible: Nil


Criminal Defense Costs Reimbursement Coverage

The Insurer will provide reimbursement for defense costs incurred during a legal proceeding provided that (a) the criminal charge arises from your practice in Canada; (b) the proceedings must pertain to alleged misconduct while rendering professional services; and (c) you are found “not guilty” of the criminal charge.

Limits of Liability:

  • Per member, Per Claim: $125,000
  • Per Member, Annual Aggregate: $125,000
  • Deductible: Nil

Legal Expense Coverage

The insurer will provide reimbursement for expenses incurred to defend yourself in front of a disciplinary committee. Covers members for complaints including professional misconduct, sexual abuse or sexual harassment the provincial regulatory boards.

Limits of Liability:

  • Per member, Per Claim: $ 75,000
  • Per Member, Annual Aggregate: $125,000
  • Deductible: Nil

Coroner’s Hearings Coverage

Limits of Liability:

  • Per member, Per Claim: $50,000
  • Per Member, Annual Aggregate: $50,000
  • Deductible: Nil

Loss of Earnings

Covers all reasonable expenses incurred by you, at the insurer’s request to assist in the investigation or defense of a claim including actual loss of earnings up to $750/day as a result of time off work.

To Report an Incident

For further information or to report an incident:
BMS Specialty Risk
Toll Free: 1-855-318-6558

This summary is not intended to be an exhaustive review of the Policy nor is it to be relied upon as such. For greater detail or if you have any questions about your insurance coverage, please contact BMS Group Inc.

Canadian Association of Medical Radiation Technologists
1300-180 rue Elgin Street, Ottawa, ON, K2P 2K3
phone: 613 234-0012 / 800 463-9729
fax: 613 234-1097