If you have questions about your liability insurance, we're here to help! We've provided answers to our most Frequently Asked Questions, but if you can't find what your looking for, just contact us! We'll respond by email so you can review the information when it's most convenient for you. And, since our customer service team is ready and waiting to hear from you, you can expect a personal response to your email within 24 hours.

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 can not find it, (we have always made your massage certificate orange so it is easy to find) you can email us and we will email your renewal date back to you. If you need a copy of your liability certificate please email us and request one. A $10,00 fee may apply. Renewal notices for RMT's (who do not belong to the OMTA) 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 express post ($3.00) or courier ($15.00). 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 24 hours. New RMT's can get express service and we will process your malpractice liability application before noon.

The College of Massage Therapy ( CMTO ) will not allow us to fax certificates of Liability Insurance to them directly. As an RMT, you must include the certificate or the information contained on it with your CMTO application or renewal documents.

YES! If your liability policy is claims made, you have to keep paying insurance, even after you retire in the event that you are sued. You stop paying for an occurrence policy when you stop practicing. The Lackner McLennan Policy is an occurrence form.

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 OMTA. Unlike massage therapy associations, we do not charge a membership fee"

Our policy includes BOTH professional liability (malpractice) and commercial general liability with a limit of $3,000,000 each, wherever you are working including from your home. It even provides a small limit of $2,500 for office protection (details, click HERE). 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 Beijing Olympics.

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. You can apply for a new liability policy online anytime. We will send you a new liability certificate for you to send to the CMTO.
If your liability policy has expired within the last 15 days you can still renew on line by going to the late renewal page. There will be no interruption in your Liability insurance coverage. If your 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)


If you don't find the information you are looking for, please send us an email.