Membership Requirement – Maintenance of Valid Professional Liability Insurance Policy

Purpose:

• To establish policy surrounding the Membership Requirement to maintain valid Professional Liability Insurance in accordance with CMMOTA Bylaw’s 3.5.1.1.5., 3.5.1.2.5., 3.5.1.3.4., 3.5.1.4.3., 3.5.1.5.3., 3.5.1.6.5., and 3.5.1.7.5..

Policy:

1. Full Massage Therapist, Full Manual Osteopathic Therapist, Associate Massage Therapist, Registered Massage Therapist, and Spa Therapist members are required to maintain valid Professional Liability Insurance through the Association’s insurance broker, including fulfilling any of the insurance providers requirements for renewal.

2. Student Manual Osteopathic Therapist and Student Massage Therapist members are required to maintain valid Professional Liability Insurance through their school, or through the Associations insurance broker, including fulfilling any of the insurance providers requirements for renewal.

3. Notwithstanding item 1. and item 2. in some circumstances created by geographical or other restrictions, a member may be required to obtain their professional liability insurance through an alternative broker. In such a case:

a. the policy must be occurrence based, and carry a minimum of $5,000,000 in Professional Liability Insurance and $5,000,000 in General Commercial Liability Insurance, except in the province of Quebec, where the policy must be occurrence based and carry a minimum of $2,000,000 in Professional Liability Insurance and $2,000,000 in General Commercial Liability Insurance; and

b. a copy of the insurance certificate must be provided to the Association by the member to maintain membership. A copy of receipt of payment will suffice as evidence of renewal until such a time as the member receives their certificate of insurance.

4. Administration shall provide notice(s) of upcoming insurance certificate expiry and need for renewal to the last known email address of each member not less than sixty (60) days, and thirty (30) days, and fourteen (14) days prior to the date of insurance certificate expiry.

5. During the Association’s membership renewal period, the Association will provide the Insurance Broker with ongoing lists of members who have paid, and the Broker will confirm completion of documentation/forms.

6. If a member does not maintain a valid Professional Liability Insurance Certificate after their current insurance certificates expiry date, then Administration shall follow CMMOTA’s Discipline for Non-Compliance Regarding Maintenance of Valid Professional Liability Insurance Policy.

Original Date of Policy Adoption: October 19, 2020

Date of Last Policy Revision: April 30, 2026