Liability Protection

Membership in RNAO satisfies the CNO’s professional liability protection (PLP) requirement.

RNAO's membership fee of $256.36 for RNs and NPs includes PLP protection as an automatic membership benefit. RNAO's membership fee is less for colleagues who qualify for discounts such as:

  • ONA's rate at only $175.
  • Other group discounts at $221.49.
  • Colleagues working on average 15 hours or less per week pay only $87.83.

PLP protection is included in all the fee categories for RNs and NPs.

RNAO members are eligible for the professional liability protection and services of the Canadian Nurses Protective Society until October 31, 2015.

Effective November 1, 2015, RNAO is changing its PLP provider. The new RNAO Sponsored Professional Liability Insurance Program will be insured by Liberty Mutual Insurance Company, a leading provider of professional liability insurance in Canada. Liberty Mutual has been offering insurance in Canada since 1936 and is rated 'A' Excellent by A.M. Best Co. It has been insuring nurses since 2007 and has global experience in providing professional liability insurance for nursing associations. Alongside this experience, Liberty has instituted a dedicated health-care professional liability claims team with over 150 years of combined experience defending medical professionals. For all of the above reasons, the company has the depth and breadth of experience in the provision of professional malpractice insurance to assist RNAO members.

All RNAO RN and RN(EC) members who hold a valid registration to practise nursing from the College of Nurses of Ontario are automatically included in the program. This insurance will provide RNAO members with the PLP protection they need to satisfy the mandatory PLP requirements of the College of Nurses of Ontario.

The program provides Professional Liability Insurance coverage up to a limit of $10,000,000 per claim in respect of claims or legal actions for professional negligence arising from the provision of a professional nursing service in Canada. Coverage includes the payment of settlement or court-imposed damages, costs, legal expenses and fees as per the terms and conditions of the policy. Please note a policy aggregate limit applies.

Each of the following insurance coverages are also automatically provided under the RNAO Sponsored Professional Liability Insurance Program each up to a sub-limit of $1,000,000 per
policy period as per the terms and conditions of the policy:

  • Criminal Investigations and Prosecutions
  • Statutory Offences
  • Public Inquiries, Inquests and Fatality Inquiries
  • Non-Party Proceeding

In all cases, the claim or legal action must be brought in Canada.

Please note that the information outlined above is a summary only and does not include all terms, conditions, or exclusions of the coverage described in the policy.

If you have any questions or require any additional information on the RNAO Sponsored Professional Liability Insurance Program, please contact our insurance broker The Magnes Group Inc. at 1-800-650-3435, extension 349.


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