What You Need to Know About Coverage for Injuries
Sometimes, therapists face challenges continuing their practice due to an injury – whether from work or an accident outside their workplace.
While WCB benefits cover workplace injury for those who are employed by an employer, or through voluntary participation in the program by a business owner or sole practitioner, for most independent business owners and contractors this can be a big concern. When faced with injury situations many therapists ask if their Professional Liability Insurance provides any coverage. The short answer is: No, it does not provide disability coverage.
If you want coverage for accidents or injuries that prevent you from working, you’ll need accident insurance and short- & long-term disability insurance. These types of insurance policies protect your income and ability to continue practicing.
For options, we recommend reaching out to:
• BrokerLink
• Rob Barlow (Dusyk and Barlow)
• Debbie Shearer (Living Benefits Specialist, Partner Perks provider)
It’s important to have coverage before something happens.
To learn more about what your Professional Liability Insurance does cover, we encourage you to check out the CMMOTA Info Session from August 2024 entitled “What Does CMMOTA Liability Insurance Cover.” To learn how to access this, and other CMMOTA Info Sessions please visit https://cmmota.com/how-to-access-past-cmmota-info-sessions/