Our highest priority is the health and safety of our clients & staff and their families, as well as those in our network including our suppliers and company partners. Wait times may be longer than normal and we thank you for your understanding and patience.
As the provinces slowly open, we understand there is still a lot of concern and uncertainty around opening up a business again. We have reached out to Novex, the insurance company, and they have released the following statement in regards Covid-19:
The circumstances of each claim are unique, so it’s difficult to provide a broad answer to coverage questions based on hypothetical situations. However, your Professional Liability Policy shall continue to offer you the same coverages as it did prior to the pandemic.
In this context, should a patient file a legal action against you after allegedly contracting Covid-19 in your clinic, your existing coverage still applies according to its terms, conditions and exclusions and Novex will provide the same legal response as they would have prior to Covid-19.
LMI Canada’s recommendation is if you start seeing clients again follow all rules that are set in place by your provincial government and your governing body (should you have one). Put all precautions in place for sanitizing and use the proper protective equipment recommended by the provincial government These actions will limit the possibility of exposure and shows you took every precaution in the event that Novex is asked to defend you against an alleged claim.
If you have one of our RMT Professional and Commercial General Liability policies, your policy is an occurrence based policy which includes a $5,000,000 Professional Liability limit, a $5,000,000 Commercial General Liability limit and a $5,000,000 Aggregate.
Our Professional Liability (also known as Errors and Omission or Malpractice insurance) coverage limit exceeds the requirements of the CMTO/CMTBC. It is also recommended by the most prestigious schools, training qualified Massage Therapists every day. New Graduates can now apply online by visiting the RMT New Graduates page.
We have over 8,000 Massage Therapists holding our insurance policy in Ontario and British Columbia. Renewing your RMT policy online has never been easier. We understand that as a Massage Therapist you may need to expand your coverage. With the comprehensive policy at LMI, we can add up to 350 additional modalities to your insurance policy, most of the time for no additional cost! So if you also practice cranial sacral, yoga or acupuncture, we can customize your policy to meet your needs.
Our comprehensive Massage Therapy insurance policy has separate limits for both Professional and Commercial General Liability. You will never share your limit. Your insurance policy only belongs to you. You also get ten additional coverages, such as Legal Expense coverage and Tenants Legal Liability.
Our years of experience here at LMI Canada has helped us to create what we consider the best insurance policy available for Massage Therapists.
We know you work hard and we want you to know we work just as hard to protect you and your business as a Massage Therapist.
For more information, email us at info@iNeedaPolicy.com.
Good Day Ms. Black:
I thank you for your welcoming response, and promptness in answering my questions. I will be pleased to give Lackner McLennan my Professional Liability insurance business, and will proceed with the insurance process via the company’s website soon.
Yours in health,