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Professional Liability Insurance

All registrants holding a Practising or Emergency certificate of registration are required to hold Professional Liability Insurance (PLI) prior to working as an MLT. Additionally, individuals applying for registration as an "As of Right" applicant are required to hold PLI, in accordance with Ontario Regulation 198/23 of the Medical Laboratory Technology Act, 1991 (MLT Act).

CMLTO's PLI requirements are outlined in Article 11 of the CMLTO By-Law contained within Article 11, page 100) / Accéder à une copie française du les règlements administratifs ici (La police d'assurance responsabilité civile professionnelle à l'article 11, page 100). 

Registrants and stakeholders can review the following documents for further information:
Background (PDF) on the process of passing the proposed amendments to the CMLTO By-Law regarding PLI.
Frequently Asked Questions (PDF) outlining how the PLI requirement will affect registrants.
CMTO By-Law, with information pertaining to PLI requirements (contained within Article 11, page 100) / Accéder à une copie française du les règlements administratifs ici (La police d'assurance responsabilité civile professionnelle à l'article 11, page 100)

PLI audit requirement

The CMLTO By-Law stipulate that Practising registrants shall provide proof that their professional liability insurance complies with the requirement. Annually, CMLTO conducts a PLI audit where it randomly selects registrants who must provide proof of coverage.

Registrants selected for audit will be notified via their preferred email noted in their registrant profile. Audited registrants will be required to complete the online PLI audit form and provide their name, registration number, name of the insurance company, policy number and expiry date.

Registrants have 30 days to complete the audit and may input information to the online form as they acquire it. Registrants who have not responded to the audit will be sent reminder emails at day 15 and day 25 of the audit. 

Failure to provide proof of PLI coverage will restrict your ability to practice in Ontario. Failure to respond to the audit is considered professional misconduct. 

In late 2014, CMLTO completed a pilot audit and identified the following common problems registrants encountered.

Problem Solution
Email addresses and employment status on file were not current. Registrants have an obligation to notify CMLTO of any changes to demographic or employment information within 30 days of the change via www.cmlto-onlineservices.com.
Registrants do not access their preferred email account regularly. Add your most commonly used email address to your registrant profile.
CMLTO correspondence ends up in a junk or spam folder due to email filters used. Add CMLTO to your “safe sender” list of your email program.
Registrants encountered difficulty obtaining employer professional liability insurance coverage information. Employers will benotified via CMLTO Employer Newsletter that the PLI audit is underway. If you have multiple employers you are required to provide PLI coverage information for each employer. Contact either the Human Resources or Finance department as they most likely can provide the required information.
Registrants obtain PLI coverage from the provincial or national association but don’t know the specific details of the coverage. Contact the association directly to obtain the Name of Insurer, Policy number. The associations are aware of the PLI audit requirements.
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