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For members of any the CFO Member Associations

A Professional and Business Insurance Program tailored specifically for Osteopaths in Canada


Your protection is our priority. CFO and its Member Associations have appointed BMS Canada Risk Services Ltd. (BMS) as the exclusive broker for the CFO Liability Insurance Program, for all Professional and Business insurance coverage.

In creating a tailored insurance program, members will experience competitive premiums, comprehensive coverage and ongoing value, including risk resources and best-in-class service from its team of specialist brokers and legal partners.

Members have access to a range of tailored products at highly competitive rates:

  • Combined Professional Liability, Commercial General Liability & Property

  • Coverage for additional professional services

  • Clinic Professional Liability

  • Business Commercial General Liability

  • Cyber Security & Privacy Liability

  • Employment Practices Liability

Professional Liability

$5,000,000 per occurrence / $5,000,000 annual aggregate

$396/ Therapist
$279/ Student

Commercial General Liability

$5,000,000 per occurrence / $5,000,000 annual aggregate

Contents/Crime/Business Income

Property/contents - $10,000

Crime - $10,000

Business Income - $50,000

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