BMS is the official and exclusive broker for the CCPA Professional Liability Insurance Program. BMS Canada Risk Services is headquartered in Ottawa, and is part of the Specialty Risk division of BMS Group, a Lloyd’s of London broker. Their team of industry experts provides unparalleled risk management and brokerage services while offering a comprehensive range of insurance products and resources to Canadian organisations. BMS provides coverage for more than 250,000 healthcare professionals across the country and has ensured CCPA members have comprehensive coverage and access to a range of other benefits.
Professional liability insurance protects members against liability or allegations for injuries or damages to a third party (such as a patient or client) that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a counsellor or psychotherapist.
Commercial general liability insurance (CGL), protects members from financial loss should they be sued due to property damage, injury, or death caused by your services, business operations, or your employees (not specifically related to your delivery of professional services, which is covered by your professional liability coverage). A typical example of commercial general liability insurance claim is slip and fall coverage, which protects you in the event someone falls at your clinic and claims that it was a result of your negligence (e.g. water on the floor).
In the event of a claim, both the treating professional (any regulated health professional) and the business name are likely to be named in a statement of claim or lawsuit. Legal Entity Coverage protects the clinic and its assets in such circumstances. This coverage is applicable if you are a business owner and employ other counsellors / psychotherapists / healthcare professionals.
Coverage can be purchased online within minutes, over the phone or by mail.
In order to be eligible for the CCPA group insurance program, you must be an active member with CCPA and also fall into one of the following membership categories:
You are eligible for insurance exclusively during your practicum and only when providing hours of service counting towards that practicum.
If you are an active member with CCPA and also fall into one of the membership categories below you may be eligible for coverage: