Your Platinum Policy exceeds the CMTO requirements and includes:
$5,000,000 Professional Liability Insurance also known as PLI, Malpractice Insurance or Errors & Omissions Insurance for RMTs.
Professional Liability: “Injury” you may cause to someone else (a client) during the course of your professional services. What you do in your treatments, during instruction or consultation.
$5,000,000 Commercial General Liability
Commercial General Liability: “Injury” you may cause to someone else (a client or other individual) or to someone else’s property while that individual is in your care. Slips and falls, etc.
$25,000 Legal Expense Coverage
Legal Expense Coverage: Reimbursement of legal expenses resulting from alleged abuse claims. (Physical, verbal, even sexual) You must be found not guilty.
$10,000 Criminal Expense Coverage
Criminal Expense Coverage: Reimbursement of legal expenses resulting from alleged abuse claims of a criminal or civil nature. You must be found not guilty.
$250,000 Tenants Legal Liability
Tenants Legal Liability: Damage you may cause to premises you rent or occupy. This insurance applies to property damage caused by fire, explosion, smoke or leakage from fire protective equipment to non-owned property.
$10,000 Personal Protection Package
Personal Protection Package: Damage to equipment you may own, equipment in transit, outdoor signs, business interruption, etc. Approximately 20 items covered.
Legal Guard Information Services
Legal Guard Information Services: 24/7 access to a legal information service for questions you have relating to your business.