Insurance Options

Professional and general liability (PGL) insurance is required for all practicing members.  

MTAM membership offers a comprehensive, Canada-wide PGL insurance policy at one of the lowest rates in the industry. This policy will cover individual practitioners working across Canada, and for an additional fee, in the United States and other countries.  

For additional details on working in jurisdictions outside of Manitoba please review the Practice Recommendation for MEMBERS PRACTICING IN OTHER JURISDICTIONS INCLUDING INTERNATIONAL LOCATIONS

Your MTAM Professional and General Liability insurance is an occurrence-based policy, which covers losses that happen during the policy period regardless of when the claim is made. Your coverage will always be there for incidents that took place during the covered period. This includes: 

Professional Liability Coverage

Helps protect professional advice and service. Prevents individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil suit. Coverage includes claims in which the client alleges your treatment caused them sickness, disease, or bodily injury. 

General Liability Insurance

Provides coverage to a business for bodily injury and property damage caused by the business’s operations, products, or injury that occurs on the business’s premises. This includes, but is not limited to, claims for slips and falls, allergic reactions, and damage caused to premises due to negligence. 

Contents Insurance (Base coverage of $3000.00 for a single location)

This coverage is meant to help newer therapists as they start out and those who don’t have or need a lot of office contents in their individual practice. You also have the option to add Commercial General Liability (CGL) and additional Contents insurance to your coverage depending on your business and practice needs.  

Contents insurance covers the replacement cost of the physical property and equipment you own. Coverage also includes the loss of income-producing ability when the loss or damage is caused by an insured peril such as fire, water damage, or explosion. 

Unlimited Free Legal Consultations

Through our insurer you also have access to unlimited free legal consultations. Simply provide your policy number when calling the legal hotline and you can speak with lawyer regarding your concern. Consultations can be for business or personal reasons. 

Additional coverage inclusions:
  • Identity theft 
  • Bodily Injury & Property Damage 
  • Personal Injury/Advertising Injury 
  • Non-Owned Automobile Liability 
  • Damage to Hired Automobiles 

Additional Notes: 

  • Contents coverage protection is only provided to the member’s contents. Damage to physical buildings is not covered.  
  • Consult your policy for details regarding coverage limits. 
  • As your practice grows or changes, you may need additional contents insurance and Commercial Liability coverage. It is recommended that you speak with the insurance broker directly regarding updating coverage to meet your needs. 
Not sure which liability insurance coverage is right for you?

Contact our insurance broker to discuss your needs.

Review the modality list to see the wide array of modalities covered. Additional modalities which carry a greater risk of harm may be added for an additional fee (e.g., acupuncture). 

Optional Personal Insurance Coverage

As an RMT, you are your most important asset. Protect your ability to practice by having appropriate personal health coverage and protect your practice in the event you are injured and unable to work.  

Health & Dental Benefit Plans

No single plan can suit all individuals, so MTAM members have access to 3 different plans for Health & Dental Benefits. There are options for individuals, couples and families at various levels of coverage. Details are available in the Member Portal. 

Injury-Only Disability coverage

This insurance coverage provides income protection should you become injured and are not able to work. Coverage starts at less than $10/month. Details are in the Member Portal. 

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