All OTs, regardless of area of practice or practice status, must have professional liability insurance that meets the College’s requirements.

For full details about the requirements, please refer to the College bylaws (Part 19) or see below.

The College has confirmed that the insurance coverage offered (as of October 1, 2015) by the Canadian Association of Occupational Therapists (CAOT), the Ontario Society of Occupational Therapists (OSOT) and Aon Healthcare Advantage meets the College requirements.

The College does not endorse any insurance provider. It is the is the responsibility of each OT to determine which insurance provider and policy best meets their needs. The above noted insurance providers are third parties and not affiliated with the College. The College provides this information so OTs are aware of policies that the College has confirmed meet the requirements of the bylaws.

Insurance may be purchased elsewhere, however, evidence that it meets the College's requirements must be sent to the College for review prior to acceptance.

If there is a change in your professional liability insurance coverage (including insurer name, start date, expiry date and certificate/policy number), you must make the update online within 30 days of the change occurring.

If you have questions about professional liability insurance, please contact registration@coto.org.

If you have specific questions about your insurance policy content and coverage, please contact your insurance provider.


Policy Requirements As Noted in Part 19 of the College Bylaws 

The policy must meet the following requirements:

  1. a liability limit of at least $5 million per incident;
  2. a minimum coverage of $5 million for the annual policy period;
  3. no deductible to the coverage;
  4. at least one year of extension of the coverage for claims made when on an extended leave or after retirement or otherwise ceasing practice;
  5. no additional terms, conditions or exclusion, other than those standard to the insurance industry;
  6. provides coverage for therapy and counselling for every person eligible for funding under subsection 85.7(4) of the Code; and
  7. provides coverage, in respect of each such eligible person, for the maximum amount of funding that may be provided for the person under the Regulated Health Professions Act, 1991, for therapy and counselling as a result of sexual abuse by the Registrant.