We can add over 57 different modalities to you your RMT Professional Liability policy. In most cases all you need to do is send us a copy of your certificate of training (email, fax or snail mail) to show you have received adequate training. Once approved, we will send you an updated certificate, showing the additional modality, by email.

This Insurance is not subject to HST, but is still subject to PST for Residents of Ontario.

Unfortunately, we cannot accept renewals over the phone. You have the option of renewing online, faxing/emailing or mailing us your professional liability renewal form.

Acupuncture is not automatically included as a covered modality. We require a copy of your certificate of training for acupuncture before we can provide the coverage. This change will generate an additional premium of $216.00 (taxes included) per year. Please contact our office if you wish to make this change to your professional liability policy.

The quickest way to obtain another copy of your professional liability certificate of insurance is to email us and one of our representatives will email you a copy. Please note that if you require a copy to be mailed to you there is a $10.00 fee that will apply.

Please email us at rmt@lmicanada.com and one of our representatives will respond to your inquiry.

If you are going on maternity leave for a certain period of time, please call or email us. We will request something in writing that states you wish to cancel your policy and the effective date of your professional liability cancellation. If canceling your professional liability policy before your renewal date you may be eligible for a refund.

If you obtain an inactive certificate with the CMTO, please note that you cannot continue to hold coverage. We do not charge a cancellation penalty, but will require that you notify us of your change.

Your existing professional liability policy will cover you anywhere you work in Canada however, we can issue an endorsement form, which will cover you during the time you are working on the cruise ship. This policy change will generate an additional premium. Please contact us for more details.

Your policy renews the same time every year (or six months). The renewal date is in the upper right section of your liability certificate. If you absolutely cannot find it, you can email us and we will email your renewal date back to you or a new copy of your certificate. If you need a paper copy of your liability certificate please email us info@rmtinsurance.com or call us at 1-800-265-2625 to request one. Renewal notices for RMT's and all other modalities are sent out approximately 30 days prior to renewal.

The fastest way to have your application for malpractice insurance processed is to apply online at rmtinsurance.com using a credit card for payment. You can also send it to us by fax at 519-579-1151 or you may wish to use express post or courier. We will process your liability application the same day we receive it. If you include a fax number or email address, we will send the document to you within 1 business day. New RMT's can get express service and we will process your malpractice liability application before 5 pm if it is received before noon, Monday to Friday.

The College of Massage Therapy (CMTO ) will not allow us to fax certificates of Liability Insurance to them directly. New RMT’s, must include a copy of your certificate with your CMTO registration application.

YES! The CMTO only accepts OCCURANCE FORM coverage. If your current liability policy is a claims-made form, you should discuss the option of purchasing an extended reporting period with the current insurance broker to provide protection for you for claims that occurred while your policy was in force, but have not yet been reported. The Lackner McLennan Policy is an occurrence form. You stop paying for an occurrence policy when you stop practicing.

Lackner McLennan is the largest insurer of massage therapists (RMT’s) in Canada. We offer you the volume savings that we receive from insuring so many therapists. We are not a Massage Therapy Association and we do not currently insure the RMTAO. Unlike massage therapy associations, we do not charge a membership fee".

Our policy includes BOTH professional liability (PLI or malpractice) and commercial general liability with a limit of $5,000,000 each, providing you with $10,000,000 of liability coverage. This policy provides coverage wherever you are working, including from your home. It even provides an additional limit of $5,000 for office protection. Office protection can include your table, linens, sound systems and even loss of income. If you require higher limits, you may wish to purchase an office contents policy that is also available through Lackner McLennan. For details, click HERE.

Yes, you may pay by VISA or MASTERCARD. We require the card number and expiry date.

If we are unable to renew your liability policy automatically we will mail you out a standard RMT renewal notice and you will again have the option to sign up for automatic renewal. You may also call in your new credit card information prior to renewal.

No. You will need a card that is good for at least a year to take advantage of automatic renewal for RMT's. You can renew next year and sign up at that time.

Yes! While most homeowners policies exclude businesses that are operated out of the home we have made special arrangements with our insurance company to provide house insurance for RMT's working out of their home.

As a licensed massage therapist, our policy provides liability insurance coverage CANADA-WIDE. We will even cover you outside of Canada if you are traveling with a Canadian Sports Team or Delegation. A number of RMT's have even arranged coverage from us so they may travel to the Olympics. If your career plans include work on a cruise ship, we can provide insurance for this at a nominal additional fee. Please call our office to discuss.

Lackner McLennan's RMT Liability policy is available for a 6 month or annual policy term.

All cheques must be payable to Lackner McLennan Insurance.

YES If you are going from Inactive to Active status with the CMTO, you can apply for insurance online. Please remember to include your past CMTO Registration # so that we can locate your previous policy on our database.

If your liability policy has expired within the last 15 days you can still renew online by going to the late renewal page.There will be no interruption in your Liability insurance coverage. If you policy renewed more than 15 days ago you can still renew your massage insurance by going to the renew online BUT you will have a interruption in coverage. (Coverage will begin again the day after we receive your renewal)