All registered nurses (RN) and nurse practitioners (NP) practising in Ontario must have professional liability protection (PLP), as mandated by the College of Nurses of Ontario (CNO).
PLP protection is automatically included in all the fee categories for RNs and NPs.
To be eligible for coverage, an RN or NP must be an RNAO member and must be registered to practise with the CNO at the time of the event(s) giving rise to the covered claim. The sooner you become an RNAO member, the sooner you are covered.
Who is providing the insurance coverage?
The PLP offered by RNAO as of Nov. 1, 2015 is a professional liability insurance product, wherein the insurer has the duty to defend your covered claim. In today’s litigious environment, selecting a professional liability insurance provider is a critical decision for health-care professionals. That's why RNAO has chosen a PLP provider with experience, expertise and financial stability – Liberty Mutual Insurance Company.
- A leading provider of professional liability insurance in Canada since 1936
- Dedicated health-care professional liability claims team with more than 150 years of combined experience defending medical professionals, including nurses and nurse practitioners
- Financially rated as ‘A’ Excellent by A.M. Best Co., the leading authority on the financial well being of insurance companies
What is covered?
RNAO's PLP has you covered through a wide range of situations that may arise from your practice. The scope of coverage provided is for services, which fall within the scope of practice of nursing for which the RN or NP may be authorized, including and not limited to any instance where there is the use of nursing knowledge, skill and judgement. Subject to the terms of coverage and policy aggregate limit, the program provides the following key benefits:
- Civil litigation: provides coverage up to $10,000,000 per claim for amounts that you become legally obligated to pay as a result of a professional liability claim arising from a covered medical incident
- Criminal investigations and prosecutions: provides reimbursement up to $1,000,000 for successful defence of criminal charges laid in Canada arising out of nursing practice
- Statutory offences: provides reimbursement up to $1,000,000 for defence of human rights or privacy related regulatory/administrative proceedings arising out of nursing practice
- Public inquiries, inquests, and fatality inquiries: provides reimbursement up to $1,000,000 for public inquiries or inquests conducted by the coroner or medical examiner in which you are required to attend and provide testimony in your capacity as a RN or NP
- Non-party proceeding: provides reimbursement up to $1,000,000 if you are required to attend a civil or criminal proceeding to provide evidence in your capacity as an RN or NP
- Defence counsel provided: with your coverage, you will have defence counsel designated by the insurer to represent you, when necessary. Covered legal fees in connection to your claim are also included
- NIL deductible: no deductible is payable by the individual RN or NP in the defence and settlement of a covered claim
- Extended reporting period (tail) coverage is included for all current and past RN and NP members for covered nursing services rendered after Nov. 1, 2015
- Coverage extends to your estate, heirs, and executives in the event of your death, incapacity, insolvency or bankruptcy: this provides you with peace of mind that your family and assets are protected
- Coverage extends to your role as an educator or as a member of a formal accreditation, standards review or similar professional board or committee, including as a director or officer of such board or committee
- Coverage is 24/7: coverage is available in Canada for professional services that occur while on the job as well as after hours. Your insurance coverage remains even during a period of unemployment, provided the medical incident arose during the time of your CNO registration and RNAO membership (For RNAO members who require insurance coverage outside of Canada, please contact Roberta Tasson at the contact information listed below)
- Coverage is portable: you can take your individual insurance coverage wherever you go – whether you have a second job, move, change jobs or set up your own business. (For RNAO members who may require business insurance, RNAO’s group rate business insurance program, NurseInsure, is available for consideration. Please contact Roberta Tasson at the contact information listed below)
- Coverage is nation-wide: coverage is available should you practise outside of the province of Ontario provided you continue to maintain your CNO registration and RNAO membership
- Certificate of insurance available: upon request, RNAO members are now able to obtain a Certificate of Insurance to indicate they have insurance coverage in place
Please note that the information outlined above is only a summary, and does not include all terms, conditions, or exclusions of the coverage described in the policy.
For any coverage or claims related inquiries on the RNAO Professional Liability Protection (PLP) please contact:
RNAO's Risk Management Helpline
RNAO's Risk Management Helpline provides RN and NP members with advice and guidance on the following:
- Professional obligations
- Liability and risk management issues
Mara Haase, at RNAO's Risk Management Helpline at 416-599-1457 or toll free at 1-800-268-7199 x223
RNAO's PLP - Why is this program an excellent protection for RNs and NPs? (November 11, 2015) video / presentation
What is nursing liability, and what to do if you are named in a lawsuit? (November 18, 2015) video / presentation
Risk management: Pitfalls of practice - avoiding malpractice case studies (December 2, 2015) video / presentation