Professional Liability Insurance Coverage
Updated February 26, 2021
Sonography Canada’s PLI is designed specifically to respond to sonography professional practice risks in today’s healthcare environment. We partnered with BMS to provide sonographers with the most comprehensive coverage available on the market today, at the most competitive rate available.
PLI Annual Fees:
Our PLI is available to the following eligible Sonography Canada members, for the period of May 1st to April 30th:
- Active Members: $79 per year
- Practicing Non-credentialed Members: $147 per year
- Graduate Interim Insurance: $45.50 per year
This coverage is available for sonographers who also provide services as Medical Radiation Technologists (MRT) provided that this has been disclosed to Sonography Canada when a policy is purchased.
Please note that the above-mentioned premiums are subject to applicable taxes.
Click here to learn more about eligibility requirements.
A Sonography Canada PLI policy includes:
$5.0 million per claim / $5.0 million limit per policy year
Professional Liability coverage provides insurance protection for wrongful acts to a third party (actual or alleged negligent acts, errors or omissions) committed when acting within your scope of practice as a sonographer. Your coverage insures payment of both compensatory damages and legal costs associated with a claim.
Regulatory Legal Expense (Disciplinary):
$200,000 per claim / $200,000 limit per policy year
The regulatory legal expense endorsement provides coverage for legal costs associated with having to respond to a complaint, or appear at a disciplinary hearing with a provincial regulatory organization or agency. In the event of a complaint or investigation, members are provided with superior legal representation and defence protection. Examples include: complaints alleging professional misconduct, incompetence, or incapacity.
Criminal Defence Costs Reimbursement:
$150,000 per claim / $150,000 limit per policy year
Coverage will reimburse insured members for defence costs associated with a case filed under the Criminal Code if the professional service was rendered in Canada and the member is found ‘not guilty’ of the criminal charge.
Sexual Abuse Counselling Fund:
$20,000 limit per policy
Coverage allows for the rehabilitation and therapy of a person who, while a patient, suffered abuse in the course of an insured member’s practice as a sonographer.
Extended Reporting Period:
Complaints and claims can be made months or even years after the alleged incident took place.
- Maternity / parental leave extension for up to 1 policy term automatically included at no additional cost
- Automatic 10-year extension to protect you into retirement or if you discontinue practice
OPTIONAL Cyber Security & Privacy Liability Coverage:
From $50,000 to $1,000,000
This coverage allows you to better manage the risk of holding increasingly large quantities of personally identifiable data of clients, employees, and others, and to mitigate the reputational damage resulting from a data security breach.
OPTIONAL Commercial General Liability Coverage:
This coverage protects from financial loss should you be sued due to bodily injury or property damage caused by your services or business operations and not related to your delivery of professional services. This coverage is also known as “slip and fall” insurance because this is the policy that would respond in the event someone falls at your clinic and claims it was a result of your negligence (e.g. water on the floor).
Pro bono legal advice
To reduce stress associated with the professional liability aspects of your practice, Gowling WLG offers free legal services risk management resources and much more.
To learn more about the Sonography Canada Professional Liability insurance policy consult the following resources:
- Program Brochure
- Sonography Canada PLI Program Member Site – Information and Resources
- Contact BMS Canada Risk Services Ltd. (BMS Group) at firstname.lastname@example.org or call 1.844.583.7748 for a copy of the full terms and conditions of the policy, including all exclusions and limitations.