Professional Liability Insurance
Professional Liability Insurance is required by professionals to protect the public interest, regardless of whether paramedic care is received as part of services provided for by a regional health authority; contracted agency; service license holder, private company, or volunteer role.
Professional Liability insurance requirements are found in The Regulated Health Professions Act (RHPA) in section 222(1). This section states A Council may make regulations….(n respecting professional liability insurance or coverage, or other liability protection, for members and health profession corporations;
The College of Paramedics of Manitoba regulation states in section 3.12, Insurance 3.12(1) A member who holds a certificate of practice must (a) hold a policy of professional liability insurance of an approved type and providing coverage to the member to a minimum of $5 million for each occurrence or claim; and (b) promptly notify the registrar if they are no longer covered by the required liability insurance. 3.12 (2) If the member is no longer covered by the required liability insurance, their certificate of practice is cancelled. At the time of notifying the registrar under clause (1)(b), the member must also promptly surrender the certificate of practice to the registrar
College policy requires paramedics to hold the certificate of professional liability insurance in their name. The insurance policy must provide coverage to a minimum of $5 million for each occurrence or claim. The insurance certificate must be current at ALL times and the most current PLI certificate should be uploaded in the Registrant Portal as soon as it has been received. You will not be able to complete your annual registration renewal if the certificate has expired.
Professional Liability Insurance may be obtained from any source as long as it meets the minimum standards. Some providers are listed below:
- A membership with the Paramedic Association of Manitoba: An associate membership with the Paramedic Association of Canada is required if the paramedic needs to be regulated in more than one Province AND there is no paramedic association in the province of primary residence: https://www.paramedic.ca/site/liability?nav=02
- LloydSadd Insurance Brokers
- By applying for insurance with other insurance companies who offer professional liability coverage for Paramedics