Coverage

 

Our coverage has been designed to protect you 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 and social workers who hold a Master's degree or PhD in social work, counselling or a related field

 

Limit (per claim)	Aggregate (per term)	Professional liability only	Professional liability and commercial general liability
$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 and social workers who have an educational level other than a Master's degree or PhD
• Students completing a Master's degree and working under supervision
• All other counsellors and career development practitioners

 

Limit (per claim)	Aggregate (per term)	Professional liability only	Professional liability and commercial general liability
$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
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 the applicant and the 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 years	$150
Three years	$200
Five years	$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).