Practice Risk Solutions

Welcome to the CAOT 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 occupational therapists and occupational therapist assistants.

The CAOT program delivers the comprehensive and cost effective insurance solutions for your practice needs including:

  • Professional Liability
  • Clinic and Multidiscipline Clinic Professional Liability
  • Commercial General Liability
  • Clinic Package (Commercial General Liability, Property/Contents, Business Interruption, and Crime coverage)
  • Cyber Security & Privacy Liability
  • Employment Practices (Management) Liability
  • Legal Services
  • Legal Expense Insurance
  • 24 Hour Accident Coverage  

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

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