The Liability Insurance policy of the CRTO requires that Members carry minimum liability insurance coverage of 2 million dollars for each occurrence.

Liability insurance protects both Respiratory Therapists and the public they serve. Liability insurance enables patients/clients to have adequate financial compensation should harm occur as a result of an error, omission or negligent act. Additionally, liability insurance protects the Respiratory Therapist by providing legal and financial support should a patient/client make a claim against them. Members may obtain their liability insurance from any source, including their employer, the professional association, or directly from an insurance company.