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

    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

    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

Additional options

Professional liability for your legal entity:

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:

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

2-Years $50
5-Years $75
7-Years $100
Unlimited $150

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).