Professional Liability Insurance

What is professional liability insurance and why do I need it?


  • As per COTO, you require Professional Liability Insurance (PLI) to practice as an OT in Ontario
  • COTO requires proof that you have PLI before you can become registered 
  • Essentially, Professional Liability Insurance covers your expenses in the event:
    • a client/ colleague files a complaint about you to COTO
    • a client sues you, claiming you are guilty of malpractice 
    • the police issue a criminal charge against you (i.e., resulting from fraud, theft, or sexual abuse claims)
  • OSOT offers a complimentary Professional Liability Insurance package to New Graduates that includes:

    • Professional Liability Protection for Errors and/or Omissions
      • i.e. to cover expenses and/or damages (payout) from malpractice claims or suits against you, whether or not you’re guilty
    • Legal Expense Reimbursement
      • i.e. to cover lawyer fees for disciplinary hearings with COTO or are taken to court
    • Sexual Abuse Therapy and Counseling Fund Endorsement
      • i.e, for therapy/counseling for sexual abuse survivors
    • Criminal Defense Reimbursement
      • i.e. to cover costs for criminal suits where you’re found not guilty
    • Plus:
      • Protection for support personnel (i.e., OTAs) working under your supervision
      • Free continued coverage for those on maternity/paternity leave
      • Coverage for professional activities outside of work (i.e., free advice, volunteering)