Contact the Registration Team

registration@collegept.org
416-591-3828 ext. 222
1-800-583-5885
ext. 222

Mail:
College of Physiotherapists
of Ontario
Attn: Registration Team
375 University Ave.
Suite 800
Toronto, ON
M5G 2J5

Understanding Liability Insurance Requirements for Physiotherapists

Liability insurance provides financial compensation for people who have been harmed as a result of malpractice or negligence by a professional. If you’re a practicing physiotherapist, you must have it. To register with the College, you need:

  • a minimum coverage of $5 million dollars for the annual policy period
  • a liability limit of at least $5 million dollars per incident
  • no additional terms, conditions or exclusions, other than standard
  • no deductible

In addition, your policy must include tail insurance. That means while providing coverage for incidents occurring during your physiotherapy practice, it should also provide coverage for claims made up to 10 years after you stop practising; that is, patients may claim against your practice period after it ends.

Please check with your employer to see if their clinic or hospital has insurance coverage, and whether that coverage protects you. If it does not, it’s your responsibility to arrange your own. Two commonly used insurance providers for professional physiotherapists are the Canadian Physiotherapy Association and Physiosure. There are, of course, many other independent choices. It’s up to you.

Remember: If you work in multiple practice environments (at many clinics and/or hospitals), do not assume your insurance at one location covers you for the others. You may have to arrange coverage for other locations, either separately or jointly.

Note: if we ask to see proof of your coverage, please provide it within 30 days.

Canadian Physiotherapy Association

Physiosure