Professional Liability Insurance (PLI)
All Registrants of the Alberta College of Combined Laboratory and X-Ray Technologists are required to hold Professional Liability Insurance (PLI) at all times while on a practicing register. By having PLI, a Registrant has coverage to help mitigate issues arising from complaints made against them as a result of providing professional services. The ACCLXT will no longer provide PLI to its Registrants, as this is viewed as a conflict of interest should a complaint arise.
Registrants are required to hold a Professional Liability Insurance policy with a Limit of Liability of a minimum $1,000,000, a $2,000,000 Annual Aggregate and $25,000 Patient Relations Program and Funding for Treatment and Counselling.
There are many vendors from which an applicant may source PLI. The Canadian Society of Combined Laboratory and X-ray Technologists (CSCLXT) administers a plan that meets the requirements of the College. Most employer insurance policies do not cover professional regulatory complaints against individual employees and no defense counsel is appointed. This is because employers do not view themselves a party in a professional regulatory complaint as it is a matter between the College and their Registrant. Also, your personal PLI follows you if you work at multiple sites and/or with more than one employer.
If you are taking a leave from practice and won’t be renewing your Active registration and practice permit, ensure that your insurance will cover you for a claim filed at a later date (eg while on leave from employment) related to an event that occurred while you were practicing and insured.
If the College receives a conduct complaint for an incident that occurred while you were practicing, the conduct process continues regardless of your registration and permit status. As such, you need to closely check the terms of your insurance policy. Ensure that your insurance will cover you for a claim filed at a later date (eg while on leave from employment) related to an event that occurred while you were practicing and insured. Some insurance providers have this rider included in your policy, but for others you will still need to purchase insurance.
Visit the CSCLXT website for more information regarding obtaining PLI insurance.