Holding a valid Professional and General Liability Insurance is a mandatory requirement for joining MTWPAM. We accept both Professional Liability insurance and General Liability insurance from various providers.
You are able to obtain broad Liability insurance from the supplier of your choice, which protects you from covered losses. While there are many companies to choose from, we have listed a company below with which MTWPAM has formed a working relationship on behalf of its members.
Though we value this experience, we understand that every individual MTWPAM member has a unique set of needs to be supported, extending even to Insurance requirements. That is why, like the Insurance providers that offer many options to suit your needs, we offer members the option to choose their Liability Insurance provider.
If you would like to purchase insurance through another company, are an Associate member of another Professional Association that has insurance included with the membership, or a transferring therapist from another province of Canada — and would like to keep your current insurance policy — you may do so , as long as MTWPAM is able to review and approve your insurance.
Please Note: MTWPAM must review and approve all policies prior to purchase and application for membership, and will not be held accountable for any Insurance purchased and not approved after review.
Even if you’re not at fault, without Professional Liability insurance, you would have to pay for your own legal defense and any potential settlement costs should any patient or entity decide to make a claim against you (for a variety of reasons).
Even if you work for a company or someone else, your company’s Professional Liability coverage may not be enough to protect you in the event of a lawsuit.
Professional Liability (also known as Errors and Omission or Malpractice insurance) covers you for professional negligence of your business and general liability for bodily injury, mental injury, illness or death for which you are legally liable.
General Liability insurance provides protection for non-professional liability issues associated with serving patients. For example, patients falling and being injured during treatment. The policy may also extend (check with your insurance provider) to include such coverage as business contents, home and auto insurance for your business or even products or libel/slander liability.
For our new applicants we have two options for insurance that our members may find beneficial. On average, Profession Liability and General Commercial Liability Insurance for our members can range in cost from $225- $375 per year (depending on the modalities and amount of insurance coverage desired).
Both Professional Malpractice and General Liability Insurance are offered by Preventative Health Services for massage therapists and wholistic practitioners. It is the responsibility of each member to ensure that his or her qualifications satisfy the requirements of the policy application. Some modalities may see an increase of fees.
Please browse their website for specifics on the modalities covered (options!) by their Professional Malpractice and Commercial Liability insurance.
Preventative Health Services – AON Insurance, A Holman Insurance Subsidiary and Lloyd's of London.
Your contact at Preventative Health Services is George Keramaris:
Preventative Health Services
602-15 Vicora Linkway
Toronto, ON M3C 1A7
Fax: (416)- 429-5658
Email: firstname.lastname@example.org or visit their website (link above) for more details.
You will need to complete their PHSG Registration form and their Insurance Application to submit your application for liability coverage.