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OSOT-Ontario Society of Occupational Therapists Insurance Program

PROLINK > Associations > Healthcare Practitioners & Life Sciences Professionals > OSOT-Ontario Society of Occupational Therapists Insurance Program
OSOT

Welcome to the OSOT Insurance Program from PROLINK

For over 25 years, PROLINK—Canada’s Insurance Connection has partnered with the Ontario Society of Occupational Therapists to protect you from the unique risks you face with our extensive insurance program, tailor-made for your profession.

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PROFESSIONAL INSURANCE FOR OSOT MEMBERS

Access comprehensive protection that we designed through our partnerships with both insurers and OSOT to address the risks faced by Occupational Therapists. Please note that these coverages are administered by OSOT.

PROFESSIONAL LIABILITY INSURANCE (E&O)

What is it?
Professional Liability Insurance protects you (and your business) from any allegations of errors, omissions, or negligence committed within the scope of your professional activities. It’ll cover your damages—legal expenses, administrative costs, and court settlements—EVEN if the claims made against you are groundless.
Why do we recommend it?
In your career as an Occupational Therapist, you’ll face a number of risks. Unfortunately, some things are simply out of your control. While you have your clients’ best interests at heart, misunderstandings happen. In today’s society, misunderstandings translate to legal actions with the power to devastate your professional reputation and finances.

That’s why PROLINK and OSOT have partnered to develop a Professional Liability Insurance program, tailored to your unique needs. Our program fully complies with and exceeds the requirements of the College of Occupational Therapists Ontario and will help defend you and support personnel working under your supervision from claims made against you as they relate to professional negligence, omission of information, or other errors within your scope of practice as an OT. Coverage highlights include:

  • Funds to defend yourself in front of the College of Occupational Therapists in the case of a complaint;
  • Sexual Abuse Therapy and Counselling Fund;
  • Pays legal defence costs associated with civil suits, or claims associated with assistants, OTAs, re-entry candidates, and volunteer activities;
  • Covers defence costs for criminal trials, provided you are found not guilty;
  • Funds to use towards Privacy Breach legal liability costs;
  • Coverage for any claims made within 7 years of cessation of practice;
  • And more!

To apply, you must be a member of OSOT in good standing. Visit the OSOT website or call 1 877 676 6768 today!

COMMERCIAL GENERAL LIABILITY INSURANCE (CGL)

What is it?
Commercial General Liability Insurance (CGL) protects your business from third-party claims of bodily injury, property damage, and reputational harm caused by your professional activities or company operations. That includes any products you sell or services you provide on your premises and anywhere else you and your staff conduct business, like a client’s office, worksite, or home (certain exclusions may apply depending on your policy).
Why do we recommend it?
If you own a private practice and employ others, work from a home office and employ yourself, work as an independent contractor full or part time—then you need more protection than your Professional Liability Insurance can provide. Commercial General Liability (CGL) Insurance protects you in the case of claims made as a result of third party injuries or property damage.

But since you do meet with clients onsite and offsite on a regular basis, something as simple as a slip and fall could result in you being held liable for damages of a sum that would surprise you. This situation is so common that most venues, government parties, landlords, and corporations require that you have this type of coverage in place before you engage in any contract.

PROLINK’s CGL Insurance is tailored to the specific needs of self-employed OTs and limits range from $2 million to $5 million.

To apply, you must be a member of OSOT in good standing. Visit the OSOT website or call 1 877 676 6768 today!

PRIVATE PRACTICE PACKAGE

What is it?
Our Private Practice is customized for Occupational Therapists in clinical settings. It includes the following critical coverages:

  • Commercial General Liability Insurance: Protects your practice from third-party claims of bodily injury, property damage, and reputational harm caused by your professional activities or company operations.
  • Property Insurance: Protects your commercial property and assets from damage or loss and will cover the costs of repairs or replacement for contents, equipment, and furnishings.
  • Crime Insurance: Protects your practice from intentionally wrongful, dishonest, and criminal actions committed by employees, executives, or owners, such as theft, forgery, extortion, embezzlement, and any other fraudulent activities.

Why do we recommend it?
Owning a business is not easy. Everything—from the furniture you select, to the people you employ—takes careful thought and deliberation. You need to protect your investment of time, money, and resources. OSOT’s custom Private Practice Package can help.

To apply, you must be a member of OSOT in good standing. Visit the OSOT website or call 1 877 676 6768 today!

How Can We Help You?

Accidents, client complaints, and allegations of errors happen—even to the most careful Occupational Therapists. Insurance will protect your finances and reputation if something goes wrong, while proactive risk management practices will reduce the chances you’ll face a claim at all. With both in place, you can focus on what matters most: supporting your clients with confidence.


THE RISK: A wheelchair you fitted collapses on a ramp, leaving your client with two broken femurs. The client sues you, alleging a breach of the standard of care. Even with the best intentions, small oversights—like a missed adjustment—can put your practice, reputation, and finances at serious risk.

 THE SOLUTION: Professional Liability Insurance responds to the claim, covering your legal defence and settlement costs. You can minimize future risk by following proper assessment protocols, documenting thoroughly, and ensuring equipment safety. Regular training and strict adherence to professional guidelines will help to safeguard both your clients and your practice.

What if one mistake put your practice on the line?


THE RISK: During a home visit, a client’s coffee is accidentally spilled on the ground, causing them to slip, fall, and break a wrist. As a result, the client sues you for damages. Even minor accidents can escalate into costly third-party injury claims against you.

 THE SOLUTION: Commercial General Liability Insurance covers related medical expenses, legal defence, and settlement costs. You can reduce future risk by keeping workspaces clear, cleaning spills promptly, and ensuring the environment is safe during client visits.

What if a simple accident turned into a lawsuit?


THE RISK: Your clinic’s admin staff clicks on a phishing email disguised as a referral partner message. Malware is installed, exposing confidential client health records—resulting in privacy breaches, upset clients, and even regulatory penalties. With cybercrime on the rise (especially in the healthcare sector) even one slip-up can have major consequences.

 THE SOLUTION: Cyber Insurance is your safety net when systems are compromised—covering IT forensics, data recovery, client notifications, legal defense, and more—so you can recover quickly. Combined with prevention measures like staff training, MFA, and regular software updates, you’ll stay one step ahead of cyber threats.

What if a single click exposed all your client records?

How Can We Help You?

Accidents, client complaints, and allegations of errors happen—even to the most careful Occupational Therapists. Insurance will protect your finances and reputation if something goes wrong, while proactive risk management practices will reduce the chances you’ll face a claim at all. With both in place, you can focus on what matters most: supporting your clients with confidence.

What if one mistake put your practice on the line?

THE RISK: A wheelchair you fitted collapses on a ramp, leaving your client with two broken femurs. The client sues you, alleging a breach of the standard of care. Even with the best intentions, small oversights—like a missed adjustment—can put your practice, reputation, and finances at serious risk.

THE SOLUTION: Professional Liability Insurance responds to the claim, covering your legal defence and settlement costs. You can minimize future risk by following proper assessment protocols, documenting thoroughly, and ensuring equipment safety. Regular training and strict adherence to professional guidelines will help to safeguard both your clients and your practice.

What if a simple accident turned into a lawsuit?

THE RISK: During a home visit, a client’s coffee is accidentally spilled on the ground, causing them to slip, fall, and break a wrist. As a result, the client sues you for damages. Even minor accidents can escalate into costly third-party injury claims against you.

THE SOLUTION: Commercial General Liability Insurance covers related medical expenses, legal defence, and settlement costs. You can reduce future risk by keeping workspaces clear, cleaning spills promptly, and ensuring the environment is safe during client visits.

What if a single click exposed all your client records?

THE RISK: Your clinic’s admin staff clicks on a phishing email disguised as a referral partner message. Malware is installed, exposing confidential client health records—resulting in privacy breaches, upset clients, and even regulatory penalties. With cybercrime on the rise (especially in the healthcare sector) even one slip-up can have major consequences.

THE SOLUTION: Cyber Insurance is your safety net when systems are compromised—covering IT forensics, data recovery, client notifications, legal defense, and more—so you can recover quickly. Combined with prevention measures like staff training, MFA, and regular software updates, you’ll stay one step ahead of cyber threats.

FREQUENTLY ASKED QUESTIONS

PROFESSIONAL INSURANCE

What does Professional Liability Insurance cover?

In general, Professional Liability Insurance covers you against allegations brought by a third party (e.g. a client) seeking damages resulting from a negligent or wrongful act, error, or omission arising from your profession and within your scope of practice. The policy will pay for your legal defence costs (e.g. lawyer fees, court costs, etc.) and any damages or settlements payable to a suing party. The Professional Liability insurance policy available exclusively to OSOT members provides many additional forms of protection that are not often included in standard policies available in Canada.

Will the Professional Liability Insurance policy protect me if a complaint is filed against me with COTO?

The chance of having someone file a formal complaint against you is greater than the chance of being sued. There are different regulatory bodies in each province; however, OSOT members should feel better knowing that their policy will provide access to lawyers who specialize in defending professionals being investigated by a regulatory body or authority due to a complaint.

What are the coverage limits that are included with OSOT's Professional Liability Insurance Policy?

OSOT’s policy includes the following limits:

  • $6,000,000 liability per claim, subject to a $10,000,000 individual aggregate including legal expense costs;
  • 100% reimbursement of all reasonable legal expenses which you may incur if you are summoned to appear before the College of Occupational Therapists of Ontario. This is subject to a maximum of $100,000 per loss limit and a $200,000 annual limit;
  • Criminal Defence Reimbursement for expenses incurred during the investigation and defence of a criminal suit to a limit of $150,000 if you are proven not guilty;
  • Sexual Abuse Therapy and Counselling Fund that meets COTO’s requirements;
  • $100,000 for Cyber and Privacy Liability issues that may arise from handling confidential information related to client/patient files;
  • And more!

Will the OSOT Professional Liability Insurance policy protect me if I am charged with a criminal offence?

The policy will reimburse OSOT members for the legal defence costs they incur in a criminal action related to their services if the criminal charges are dropped or if the member is found not guilty for the offence.

The Professional Liability Insurance policy is a “claims-made” policy. What does "claims-made" mean?

“Claims-made” policies require you to have a policy in effect when a claim is reported (made). Any claims are covered under the policy that is in force at the time and NOT the policy in force when the occurrence took place.

What is the Sexual Abuse Therapy and Counselling Fund used for?

This fund provides provisions for the therapy and counselling of a sexually abused client.

Do I need any other type of insurance if I own or rent an office location?

Yes, you should purchase Commercial General Liability Insurance. The Professional Liability Insurance policy will not defend bodily injury or property damage claims brought against you related to your premises. You should also consider Property Insurance to protect your office contents.

What do I do if I receive a statement of claim?

Once you are aware of an actual or potential claim, report it to PROLINK immediately. Please refrain from making written or oral statements, and do not offer to compensate or admit liability. Taking such actions could interfere in the insurer’s ability to manage the claim.

Click here to see how you can file an insurance claim in 5 steps or less.

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Does the Professional Liability Insurance policy cover me when I retire or cease practicing as an Occupational Therapist?

OSOT’s Professional Liability Insurance policy covers you for up to 7 years following cessation of practice, death, disability or retirement, or extended leave at no additional cost.

Does the Professional Liability Insurance policy have a deductible?

No.

Is there a common expiry date for the OSOT Professional Liability Program?

Yes. All members renew each year on October 1st. Professional Liability Insurance is a claims-made policy which requires that an individual have an active policy at the time a claim is made. Ensure that you are protected! Keep your insurance policy active at all times–you never know when a complaint or legal suit may be brought against you!

Who handles the administration of the OSOT Professional Liability Program?

OSOT handles all registration in the Professional Liability Insurance Program and can be reached directly at 416-322-3011 or by calling 1-877-676-6768. Annual renewal of your insurance policy is completed at the time of OSOT membership renewal. PROLINK handles registration in Business Property Plans as these have individualized components to the coverage and pricing. For more information, contact PROLINK by calling 1-800-663-6828.

Who handles the administration of the OSOT Personal Insurance Programs?

PROLINK handles all registration in OSOT’s Group Benefit Plan (life, health, disability, dental, assistance plan). Contact the Life & Benefits team at 1-800-663-6828 or life@prolink.insure for a confidential and individualized consultation regarding these important coverages.

PROLINK also handles all registration and quotes for OSOT’s Group Home & Auto Insurance. To learn more, contact the Personal Insurance team at 1-800-663-6828 or GetAQuote@prolink.insure.

Why is Commercial General Liability Insurance important?

Unfortunately, you can be sued for any injuries or property damages that occur while working with clients—even if you’re not at fault. This situation is so common that most venues, government parties, and corporations require that you have this type of coverage in place before you engage in any contract.

Additionally, if you run your business from home, you could be at risk. For example, if a delivery man slips and falls delivering a work-related package, your typical home owner’s policy may not cover it. Commercial General Liability Insurance will.

What does Commercial General Liability Insurance cover?

Commercial General Liability Insurance covers you in the case of third party injuries and property damage that occurs through your professional activities. It also provides you with insurance for Tenant’s Legal Liability, Employer’s Liability, Voluntary Compensation, Non-Owned Automobile Coverage, and more.

What CGL limits are available for OSOT members?

OSOT members can access CGL policies with a limit of $2,000,000 or $5,000,000.

What do libel and slander refer to?

Libel and slander (also known as “personal injury”) can be encompassed under the umbrella term “defamation”. These are statements that damage a person or organization’s reputation resulting in emotional injury. Slander means any verbal defamatory statements. Libel refers to written defamatory statements. However, you are only covered if you unknowingly committed something that is considered libel or slander.

What is a non-owned automobile?

This coverage refers to vehicles that are not owned by your company, but are being used for business purposes. For example, it provides protection if an employee must drive their own personal vehicle for business use. It covers bodily injury and property damage that is caused by such vehicles, because otherwise the employer can be held liable for employee-perpetrated accidents.

What does Employer's Liability cover?

This coverage protects you (the employer) from losses arising from job-related injuries of employees.

What does Tenant's Legal Liability cover?

If you rent or lease a commercial property for your clinic and accidentally cause property damage, you could be held liable. Tenant’s Legal Liability will help defend you against legal actions and will provide you with funds to cover the damages.

HOME & AUTO INSURANCE

OSOT MEMBERS SAVE UP TO 20%

With PROLINK, you’ll find a solution that fits your needs, your lifestyle, and your budget. Plus, you can access:

Even Better Coverage:

PROLINK represents a wide network of over 30 insurers, so we can offer you a range of solutions and price points. We’ll look at all of the available options and leverage our existing partnerships to demand the best-fit coverage for your needs.

Even Better Advice:

Our team will take the time to understand your unique circumstances, explain your coverage options, and offer genuine, personalized advice to help you manage your exposures.

Even Better Rates:

Our dedicated team of advisors will regularly monitor your account so you don’t have to. If we see your premium going up over time, we’ll proactively search for a better fit to get you the coverage you need and the savings you deserve.

Even Better Service:

Count on PROLINK for any policy changes, proof of insurance requirements, and guidance through the claims process. We will advocate for your needs and answer any questions you have so that you can feel confident in your coverage.

See how much you can save on your Home & Auto Insurance!

GET A QUOTE

HOME & AUTO INSURANCE

OSOT MEMBERS SAVE UP TO 20%

With PROLINK, you’ll find a solution that fits your needs, your lifestyle, and your budget. Plus, you can access:

Even Better Coverage:

PROLINK represents a wide network of over 30 insurers, so we can offer you a range of solutions and price points. We’ll look at all of the available options and leverage our existing partnerships to demand the best-fit coverage for your needs.

Even Better Advice:

Our team will take the time to understand your unique circumstances, explain your coverage options, and offer genuine, personalized advice to help you manage your exposures.

Even Better Rates:

Our dedicated team of advisors will regularly monitor your account so you don’t have to. If we see your premium going up over time, we’ll proactively search for a better fit to get you the coverage you need and the savings you deserve.

Even Better Service:

Count on PROLINK for any policy changes, proof of insurance requirements, and guidance through the claims process. We will advocate for your needs and answer any questions you have so that you can feel confident in your coverage.

See how much you can save on your Home & Auto Insurance!

GET A QUOTE

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LIFE & HEALTH
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LIFE & HEALTH

PROLINK will take the time to listen, understand your lifestyle, and guide you to the best protection possible.

Health & Dental Insurance

Supplement your primary healthcare and access the care you need, when you need it with coverage for: extended health, dental, vision, medication, massage, chiropractic, physiotherapy, travel insurance, and more.

Disability Insurance

Protect your income if you’re unable to work because of a physical injury or ailment. It doesn’t matter if it’s a temporary or permanent disability; insurance will replace anywhere from 60-85% of your monthly earnings up to a specified time.

Critical Illness Insurance

Prepare for an unexpected illness or injury with a one-time, tax-free, lump sum. Once it’s paid, how you spend it is completely up to you, whether that’s on medicine, home accessibility, or even paying off part of your mortgage.

Life Insurance

Secure a simple, straightforward solution that will help you plan ahead while still guaranteeing protection for your loved ones. If there’s anyone relying on you for income—your children, spouse, ageing parents, or even a business partner—life insurance is worth it.

LIFE & HEALTH

PROLINK will take the time to listen, understand your lifestyle, and guide you to the best protection possible.

Health & Dental Insurance

Supplement your primary healthcare and access the care you need, when you need it with coverage for: extended health, dental, vision, medication, massage, chiropractic, physiotherapy, travel insurance, and more.

Disability Insurance

Protect your income if you’re unable to work because of a physical injury or ailment. It doesn’t matter if it’s a temporary or permanent disability; insurance will replace anywhere from 60-85% of your monthly earnings up to a specified time.

Critical Illness Insurance

Prepare for an unexpected illness or injury with a one-time, tax-free, lump sum. Once it’s paid, how you spend it is completely up to you, whether that’s on medicine, home accessibility, or even paying off part of your mortgage.

Life Insurance

Secure a simple, straightforward solution that will help you plan ahead while still guaranteeing protection for your loved ones. If there’s anyone relying on you for income—your children, spouse, ageing parents, or even a business partner—life insurance is worth it.

LIFE & HEALTH
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CARING CLAIMS

If you’re lucky, you might never have to make a claim against your insurance. But in the event that you do, PROLINK will respond with urgency, empathy, and compassion. Hover over the images below to see contact options.

MON-FRI, 8AM to 5PM

Monday to Friday, 8AM to 5PM

If you have a potential claim, and would like to speak to PROLINK, please contact us directly at 1 800 663 6828. No matter the time of day, be sure to have your policy number and key details of the incident on-hand, including dates, events, and all persons and entities involved.

AFTER HOURS, WEEKENDS, HOLIDAYS

After Hours, Weekends, Holidays

Connect with our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677, or contact your insurer directly and they’ll loop us in. To find your insurer’s claims department, simply open your policy wording.

If your claim is related to Professional Insurance, we strongly recommend that you wait to notify your PROLINK Account Manager during regular office hours.

MON-FRI, 8AM to 5PM

Monday to Friday, 8AM to 5PM

If you have a potential claim, and would like to speak to PROLINK, please contact us directly at 1 800 663 6828. No matter the time of day, be sure to have your policy number and key details of the incident on-hand, including dates, events, and all persons and entities involved.

AFTER HOURS, WEEKENDS, HOLIDAYS

After Hours, Weekends, Holidays

Connect with our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677, or contact your insurer directly and they’ll loop us in. To find your insurer’s claims department, simply open your policy wording. For Professional Insurance claims, we recommend that you wait to notify your PROLINK Account Manager during office hours.

WHAT OUR CLIENTS ARE SAYING

WHAT OUR CLIENTS ARE SAYING

RISK MANAGEMENT ADVICE

For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.

VISIT OUR BLOG

RISK MANAGEMENT ADVICE

For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.

VISIT OUR BLOG

GET IN TOUCH

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1 800 663 6828

or send us an email below:

GET IN TOUCH

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1 800 663 6828

or send us an email below:


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