Practice Risk Solutions

Welcome to the CAOT Insurance Program


We are committed to delivering information and resources to you as this situation evolves. Please review the following material, and more will be posted in the coming weeks.

Parting Ways – The Right Way: Terminating the Client Relationship
Virtual Health Care Services – Ensuring Continuity of Care
The Law Governing State of Emergency
Volunteer Liability During Public Health Emergencies
Returning to Practice during Covid-19
Crisis Management During the COVID-19 Pandemic
Ethical Issues for Regulated Health Professionals in the Era of COVID-19
Considerations when Resuming Practice

Our team is here to support you as best we can, please connect at

Financial Relief: The Federal Government has introduced a range of measures to support Businesses and Individuals during this time. Please visit for more information.

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

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 Group) is CAOT's exclusive insurance broker for all member policies.