Coverage
Our program is open to all types of counsellors, including psychotherapists, mental health counsellors and career development practitioners, to name a few.
The counselling practice demands personal interaction with people on a daily basis. As a counsellor, you regularly face situations where you are open to the possibility of lawsuits & significant defence costs. Your clients can hold you responsible for negligence or mistakes arising from the performance of your counselling services.
Our coverage has been designed to protect you as a counsellor in your professional practice. Please refer to the rating matrix below for your applicable category options and corresponding premium.
Category A
- Canadian career development practitioners who are members of CCCD's member organizations
- All Canadian counsellors who hold Masters degree or Phd in counselling or related field
| |
|
Professional liability only |
Professional liability and commercial general liability |
| Limit (per claim) |
Aggregate (per term) |
Premium |
Premium |
| $1,000,000 |
$1,000,000 |
$80 |
$115 |
| $2,000,000 |
$2,000,000 |
$100 |
$140 |
| $5,000,000 |
$5,000,000 |
$165 |
$235 |
Category B
- Canadian counsellors, who have educational level other than Masters degree or PhD
- Students completing an Masters degree and working under supervision
- All other counsellors and career development practitioners
| |
|
Professional liability only |
Professional liability and commercial general liability |
| Limit (per claim) |
Aggregate (per term) |
Premium |
Premium |
| $1,000,000 |
$1,000,000 |
$96 |
$138 |
| $2,000,000 |
$2,000,000 |
$132 |
$184 |
| $5,000,000 |
$5,000,000 |
$198 |
$282 |
Deductibles: Professional liability - nil / Commercial general liability - $500
Professional liability coverage includes
- Disciplinary action defence costs - $100,000 per claim / $200,000 aggregate
- Criminal defence reimbursement - $150,000 per claim / $150,000 aggregate
- Loss of earnings due to trial - $750/day
- Sexual abuse therapy fund - $25,000 each claim
- Sexual abuse coverage - $1,000,000 each claim and in the aggregate
- Security and privacy liability - $50,000 sublimit
Additional options
Professional liability for your legal entity:
- Provides coverage if your registered business or company is named in a lawsuit
- Limits are shared between you and your legal entity
- All professional employees are required to secure their own, individual professional liability coverage
- Legal entity coverage must be purchased in conjunction with either professional liability or professional liability/commercial general liability option
| Type of business |
Legal entity coverage
|
| |
Premium |
| Sole Owner |
NIL |
| 1-2 employees |
$50 per member |
| 3-6 employees |
$100 per member |
| 7-10 employees |
$150 per member |
| More than 10 employees |
Referral |
Note:
- Legal entity coverage must be purchased in conjunction with professional liability option or professional liability and commercial general liability option.
- Limits are shared between applicant and applicant’s legal entity.
- All professional employees are required to secure their own, individual professional liability coverage.
Extended reporting period (ERP)
Planning to retire and leave the practice? Ensure that you have a continuous policy in place in order to protect you from future claims, arising from incidents that may have occurred in the past when you were practicing and insured under the program.
| Term |
Premium |
| One year |
$100 |
| Two year |
$150 |
| Three year |
$200 |
| Five year |
$250 |
| Unlimited |
$300 |
Clarification of insurance terms
Professional liability - Protects you against allegations/liability for damages resulting from a negligent act, error, omission or malpractice arising out of your profession as a counsellor. Claims made policy form.
Commercial general liability - Covers your legal liability to a third party imposed by law for bodily injury and/or property damage arising from your premises or your business operations. Occurrence policy form.
Legal entity - Provides coverage if your registered business, company or separate entity, under which you operate is named in a lawsuit. Coverage limits are shared between you and your entity name. (Addition of the legal entity does not increase the limit of coverage provided under the policy).