Professional Liability Insurance - Sonography (DMS)

What is PLI

As a healthcare professional, you help improve the quality of life for Canadians but in doing so you expose yourself to various liabilities. Professional Liability Insurance (PLI) provides protection against malpractice claims arising from real or alleged errors or omissions, including negligence. For Sonographers PLI is commonly referred to as, "Medical Malpractice Insurance" or "Errors and Omissions" policy. PLI protects you against bearing the full cost of defending yourself and the risk of losing your own personal assets (house, car, savings, wages etc.)

Why you need coverage

  • The public & legal system expects more from today’s healthcare professionals
  • A claim can be devastating financially, even if frivolous (which many claims are)
  • Most Sonographers (DMS) faced with a claim never thought it would happen to them.

Why your employer’s insurance is not enough

Adequate liability insurance is crucial to your ultrasound career, and coverage provided by your employer may not be sufficient. Having your own policy guarantees that a claim made against you will be covered, even if you change employers. It is recommended that you purchase your own personal protection that goes beyond the limitations of most employer-provided programs for the following reasons:

  • Having you own policy means your insurance is portable so if you change jobs or employers your coverage will follow you
  • Good Samaritan coverage – Your employer may not cover you for any advice or volunteering you do outside of your work
  • Many employer insurances have a shared limit of liability for all employees. This limit may not be enough to cover you and your personal assets could be at risk to cover the difference.
  • Your employer’s insurance may have a large deductible, greater than your total defense and settlement costs
  • Most employer policies will only cover the settlement for damages for malpractice. They may not cover legal defense before a regulatory disciplinary committee or criminal defense costs

Insurance Coverage - everything you need

  • Professional Liability (Errors & Omissions/ Malpractice)
  • $2,000,000 per claim/Aggregate per policy term per member – PLUS Member level
  • $5,000,000 per claim/Aggregate per policy term per member – Platinum Member level 
  • Extended Reporting Period – 84 months
  • Expense Reimbursement including Regulatory Disciplinary Coverage for Legal Representation - $100,000 Aggregate per policy term per member
  • Defense Costs for Alleged Criminal Acts excluding Abuse - $100,000 Aggregate per policy term per member when proven innocent as defined by the policy
  • Loss of Earnings $750 per day per member if the insurance company requests you to assist in the investigation or defence of a claim
  • Allegation of Abuse Coverage Defence costs reimbursement $1,000,000 per policy term per member as more clearly defined in the policy
  • Cyber Security and Privacy $25,000 per term per member
  • No Deductible - $0
  • Across Canada Coverage 24/7 in all employment and volunteer circumstances anywhere in Canada 

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Ontario Association of Medical Radiation Sciences (OAMRS)

Medical Imaging Ed is a division of OAMRS providing CPD and Sonography PLI across Canada. 
415A - 175 Longwood Rd S,
Hamilton, ON L8P 0A1
Phone: 289-674-0034
Fax: 289-674-0037
Toll-Free: 1-800-387-4674

Regular Business hours
9:00 am to 5:00 pm EST - Monday to Friday
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