Canadian Association
        of Occupational Therapists

Welcome to the CAOT Professional Liability Insurance Program

Available only to members, the CAOT insurance program offers a full range of coverages specifically designed to meet the unique practice risk and needs of CAOT members.

The CAOT program delivers comprehensive and cost effective insurance solutions including:

  • Professional Liability
  • Clinic Professional Liability
  • Multi-Discipline Clinic Professional Liability
  • Commercial General Liability
  • Clinic Package (Commercial General Liability, Contents, Crime & Business Interruption)
  • Employee Fidelity Bond
  • Cyber Security & Privacy Liability

The CAOT Insurance Program runs on a common renewal date of October 1st. Eligible members can purchase or renew coverage at any time throughout the policy term.

BMS Canada Risk Services Ltd. (BMS Group) is CAOT's exclusive insurance broker for all member policies.


Learn more about the benefits of being part of your Association’s insurance program


Why choose this plan?

The purpose of insurance is to pay claims. Purchasing coverage through the CAOT Insurance Program ensures you are provided with best-in-class protection without the exclusions and limitations commonly found in other insurance programs.


Application for NEW Plan Members

If you are new to the CAOT Insurance Program, please complete a new application.
Apply now


Renewal Application for EXISTING plan members

If you are renewing an insurance policy, you will receive a renewal notice by email. The email will contain a unique renewal link with a prepopulated application that will allow you to renew your coverage online within minutes.
Renew now