The College of Physical Therapists of British Columbia (College) has been concerned for some time with registrants’ compliance with Bylaw 82 on Professional Liability Insurance and the need to ensure that all registrants have the requisite professional liability insurance. The College Board of Directors has made the decision that all registrants, regardless of employment setting, will be required to hold private, individual professional liability insurance.
Bylaw 82 reads:
All full, interim, student and temporary registrants must hold professional liability insurance in an amount of at least $3,000,000 per occurrence.
- Before 2018, registrants holding private, individual liability insurance (PLI) were required to submit their insurance certificates to the College annually at registration renewal. Registrants working for employers who provided PLI were required to submit proof of coverage. Registrants on record as working in the public sector were not required to submit proof of insurance.
- Starting in 2018 registrants working in the private sector or for employers who provided PLI were not required to submit proof of insurance coverage but could be audited by the College.
- Audits have been conducted annually since then. Starting in 2019 the sample of registrants audited included registrants from any employment setting.
- Audits conducted in 2019, 2020, and 2021 found 5%, 5% and 7.5% respectively of registrants sampled not in compliance with Bylaw 82.
- Physical therapists are increasingly working in multiple jobs, often in multiple sectors, and change workplace frequently.
- Both the audit process and registration renewal over the past few years have indicated that many physical therapists don’t keep their employment information up to date with the College. This makes it difficult for the College to determine if the registrant should be maintaining their own PLI.
- If you already have private, individual PLI and report it annually during renewal, nothing will change for you.
- If you do not have private, individual PLI, purchase it with an effective date no later than June 1, 2022. Two of the larger providers are BMS via the Canadian Physiotherapy Association and Physiosure (Trisura), but registrants may wish to explore other insurance options.
- During registration renewal in May, all registrants will be required to provide details of their private professional liability insurance (provider, policy number). It will not be possible to renew without this.
- The College will host a webinar about PLI on April 14, 2022 at 8:00-9:00 am Pacific (9:00 am Mountain). Presenters will be Maggie Green from BMS and Chris Smerdon from CPTBC.
If you are unable to attend the live webinar, registering will give you access to the recording, usually available within a few days.