The University of Toronto has a general liability insurance policy that covers all registered students. This also applies to all co-operative education students who work outside of the college as part of their course requirements.
Intentional acts are outside the policy.
This policy applies to paid or unpaid placement. If an employer requires confirmation of coverage, contact the University of Toronto Insurance and Risk Department. However, if they are registered in fewer courses than the number that constitute a full course-load, they are covered by the APUS Health Plan. Co-op students who have paid incidental fees in the fall are covered by the relevant plan while on work terms. Students in this position have the option of applying for APUS insurance coverage.