Practice Risk Solutions


  • What is Professional Liability Insurance?

    Professional liability insurance protects members against liability or allegations for injuries or damages to a third party (such as a patient or client) that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as an athletic therapist.

  • What is Commercial General Liability?

    Commercial general liability insurance (CGL), protects members from financial loss should they be sued due to property damage, injury, or death caused by your services, business operations, or your employees (not specifically related to your delivery of professional services, which is covered by your professional liability coverage). A typical example of commercial general liability insurance claim is slip and fall coverage, which protects you in the event someone falls at your clinic and claims that it was a result of your negligence (e.g. water on the floor).

  • What is Clinic Professional Liability (Legal Entity Coverage)?

    In the event of a claim, both the treating professional and the business name are likely to be named in a statement of claim or lawsuit. Clinic PLI (Legal Entity Coverage) protects the clinic and its assets in such circumstances. This coverage is applicable if you are a business owner and employ other athletic therapists / healthcare professionals.

  • What is included in a Clinic Package?

    The CATA program offers a Clinic Business Package, which includes Commercial General Liability Insurance (CGL), Contents, Crime and Business Income.

    Commercial General Liability (CGL) protects you against claims arising from injury or property damage that you may cause to another person as a result of your operations and/or premises. For example, a client may slip and fall on a wet floor on your premises or you may accidentally cause property damage during a home visit.

    Members who operate a private practice in which they are the sole professional, and also rent or own a space for which they require contents coverage are encouraged to consider purchasing this product. Contents includes items usual to an office, including desks, chairs, filing cabinets and computers, as well as any stock and improvements and betterments.

    Crime coverage protects against financial loss due to dishonesty, fraud, or theft of money, securities or other property owned by the office/clinic.

    Business Income insures against loss of income resulting from direct physical loss or direct physical damage to the premises by an insured peril (e.g. fire).

  • Can I purchase Professional Liability for other professions that I practice in?

    Yes. CATA members can purchase Professional Liability Insurance for a range of modalities, including:

    • Acupuncture/Dry Needling
    • Fitness Training
    • Kinesiology
    • Massage Therapy
    • Pedorthist
    • Pilates
    • Strength & Conditioning
    • Yoga
    • Cupping/Gua Sha/Block Therapy
    • Reiki
    • Physiotherapy
    • Holistic Nutrition
    • Certified Clinical Thermography
    • Nutrition Counselling
    • Naturopathy
    • Osteopathy
  • Who is BMS?

    BMS is the official and exclusive broker for the CATA Professional Liability Insurance Program. BMS Canada Risk Services is headquartered in Ottawa, and is part of the Specialty Risk division of BMS Group, a Lloyd’s of London broker. Their team of industry experts provides unparalleled risk management and brokerage services while offering a comprehensive range of insurance products and resources to Canadian organisations. BMS provides coverage for more than 600,000 healthcare professionals across the country and has ensured CATA members have comprehensive coverage and access to a range of other benefits.