Under CMTBC’s Bylaws, each active registrant must obtain and at all times maintain professional liability insurance coverage of at least $2,000,000 per claim or per occurrence.
RMTs are required to submit proof of valid professional liability insurance when registering for the first time and renewing registration on the CMTBC Portal. Follow instructions on the Portal for uploading proof of professional liability insurance.
There are two types of professional liability insurance available to RMTs: claims-based and occurrence-based. In a claims-based policy, your coverage is determined by the date the claim is made. For example, if a claim is made against you in 2017, and you have valid insurance for 2017, you will be covered regardless of when the treatment was provided. However, if you allow your insurance to lapse, and a claim is made in 2018 for a treatment you provided in 2017, you will not be covered for that claim.
By contrast, an occurrence-based policy will protect you as long as you had coverage at the time of the underlying occurrence (for example, the treatment) giving rise to the claim.
If you hold claims-based coverage, and you decide to resign your registration, you should consider purchasing “tail coverage” to protect yourself against any future claims. With occurrence-based insurance, tail coverage is not necessary.
Under CMTBC’s Bylaws, for at least five years after becoming inactive, an inactive registrant who did not have occurrence-based coverage immediately prior to the time at which inactive registration was granted must maintain professional liability insurance coverage of at least $2,000,000 per claim or per occurrence. This insurance, known as “tail coverage”, is to insure against liability arising from practicing massage therapy while the inactive registrant was an active registrant.