Professional Liability Insurance Program

For the members of the Canadian Physiotherapy Association

Policy Number OT23A510A / UMR B1284 OT23A510A

This policy contains a clause which may limit the amount payable.

Effected with certain Lloyd's Underwriters through Lloyd's approved Coverholder (“the Coverholder”):

BMS Canada Risk Services Ltd.
825 Exhibition Way, Suite 209
Ottawa, ON K1S 5J3

Name insured:

You must be a member in good standing and also meet provincial regulatory requirements to practice for this insurance to be valid.

  • New
  • Renewal
  • Endorsement

Policy Period From: To: October 1, 2024.

12.01 a.m. standard time at the postal address of the Named Insured stated herein.

Subscribing Underwriter: Lloyd's Underwriters

Underwriter: Certain Lloyd's Underwriters under Agreement No. B1284 OT23A510A

Cost: $

Tax: $


Broker: BMS Canada Risk Services Ltd.

In witness whereof the Insurer has duly executed this policy, provided however that this policy shall not be valid or binding unless countersigned by a duly Authorized Representative of the Insurer.

The insurance contract consists of this Declaration's page as well as all coverage wordings, riders or endorsements forming part of Policy No. OT23A510A

For a full copy of the policy wording please contact BMS at 1-855-318-6136 or by email

Chelsea Kary Signature

Chelsea Kary

Countersigned Authorized Representative


Identification of Insurer / Action Against Insurer

This insurance has been effected in accordance with the authorization granted to the Coverholder by the Underwriting Members of the Syndicate whose definitive numbers and proportions are shown in the Table attached to Agreement No. OT23A510A (herein after referred to as "the Underwriters"). The Underwriters shall be liable hereunder for each of his own part and not one for another in proportion to the several sums that each of them has subscribed to the said Agreement.

In any action to enforce the obligations of the Underwriters they can be designated or named as "Lloyd's Underwriters” and such designation shall be binding on the Underwriters as if they each had been individually named as defendant. Service of such proceedings may validly be made upon the Attorney in Fact in Canada for Lloyd's Underwriters, whose address for such service is 200 Bay Street, Suite 2930, P.O. Box 51, Toronto, Ontario M5J 2J2.


Any notice to the Underwriters may be validly given to the Coverholder.

In witness whereof this policy has been signed as authorized by the Underwriters, by BMS Canada Risk Services Ltd.

Chelsea Kary Signature

Chelsea Kary

Countersigned Authorized Representative


The Insured is requested to read this policy, and if incorrect, return it immediately for alteration.

In the event of an occurrence likely to result in a claim under this insurance, immediate notice should be given to the Coverholder whose name and address appears above. All inquiries and disputes are also to be addressed to this Coverholder.

For purposes of the Insurance Companies Act (Canada), this document was issued in the course of Lloyd's Underwriters' Insurance business in Canada.

Claims Reporting Procedures

The Insured must see to it that the Insurer is promptly notified of any Injury or circumstance which may result in a Claim.

No written or oral statement should ever be made, except upon the advice of the Insurer.  Please do not offer compensation or admit liability to a patient, as this could interfere legally with the Insurer’s handling of the claim.

To report a claim, please contact Crawford & Company (Canada) Inc. at 1-877-805-9168 or by email at

For more information about your Insurance Broker, BMS, and Insurance Regulatory Principles of Conduct, please click here

Important Notice

Legal Advice for Members of the Canadian Physiotherapy Association
A Pro Bono Program

About Gowlings

Gowling WLG ("Gowlings"), one of Canada\'s largest national legal firms, is pleased to offer summary pro bono legal advice to all members participating in the CPA Professional Liability Insurance Program. To ensure members are provided with superior legal defence in the event of a claim or complaint, Gowlings has been retained as the preferred legal provider for claims made under the Professional Liability Insurance Program.

Members can take advantage of this complimentary service if a professional liability claim (actual or potential) has been made against you and you have questions relating to issues such as:

  • Privacy and confidentiality;
  • Conflicts of interest;
  • How to respond to requests for information from third parties; Inquires from your regulatory body;
  • How to respond to a subpoena;
  • Professional misconduct;
  • Ethical obligations; and
  • Professional obligations.

To access this service, please contact the number listed below. When you make this call, you will receive a voicemail asking you to leave a detailed message. Please be prepared to provide the following information:

  • Name, telephone number and address
  • Certificate and policy numbers
  • A brief summary of the issue

If you are calling from British Columbia, Alberta, Ontario or Quebec, Gowlings will get in touch with you as soon as possible. If you are calling from another province or territory, Gowlings will make the appropriate referral to a lawyer practicing in that jurisdiction.

The lawyer with whom you speak will provide you with free, confidential legal advice in order to try and avoid or reduce the probability of a claim or complaint. Each telephone consultation is limited to 30 minutes per inquiry. The lawyer may consider it appropriate to review the issues and jurisprudence, and then call you back. The advice given will rely upon the accuracy and completeness of the information you provide.

In some cases, you may be asked to contact your insurance adjuster directly as your issue may have already triggered coverage under your policy, in which case, legal counsel may be appointed to act on your behalf. If you have received a formal complaint or been served with a legal claim, please contact Crawford & Company at 1-877-805-9178 or by email at

Contact Gowlings

As one of Canada's top national legal firms, Gowlings has a long history of representing health care professionals on a variety of professional liability cases. The Gowlings professionals who provide services to members have significant experience in medical legal issues including, defending professionals in litigation arising from medical treatment and care; representing professionals in proceedings before provincial professional licensing bodies and providing advice to clients on other administrative and regulatory health law issues.

Gowling WLG
Suite 2600, 160 Elgin Street, Ottawa, ON K1P 1C3

Toll Free: 1-888-943-0953

BMS Canada Risk Services Ltd., 825 Exhibition Way, Suite 209 Ottawa ON, Canada, K1S 5J3

Toll Free: 1-855-318-6136 Email: