Every clinician practicing counselling or psychotherapy needs to ensure they are sufficiently covered for potential liability both professional liability (errors and omissions) and commercial general liability. PACCP offers one of the most comprehensive/competitively rated liability insurance programs in the country. This comes as a result of our Association’s qualification standards and favorable loss experience. PACCP offers an an excellent policy for a very low premium.
Our policy covers both Professional and General Liability together within one policy. That way the clinician doesn’t have to look at purchasing two separate policies. Our liability insurance limits are $5,000,000 per loss.
The PACCP policy is $200 per year which includes Professional Liability and General Liability. Our general insurance broker is Ruban Insurance in Winnipeg.
Frequently Asked Questions:
Who is eligible for enrollment in the liability insurance program?
The Professional Liability Insurance Program is available to Associate Professional Counsellors (APC), Certified Professional Counsellors (CPC), Certified Professional Counsellor Supervisors (CPCS), and Students who have completed 90% of their coursework and are in good standing with PACCP. Membership with PACCP is required in order to maintain and renew insurance coverage.
Do I have to enroll in PACCP’s liability insurance program?
While participation is voluntary, all Associate Professional Counsellors (APC), Certified Professional Counsellors (CPC), and Certified Professional Counsellor Supervisors (CPCS) members must be able to provide proof of insurance of equal or greater value than PACCP’s policy in order to maintain membership. So the choices are either enrollment in PACCP’s policy or proof of adequate insurance in order to remain a member in good standing.
What’s the difference between “claims made” and “occurrence” policies?
The vast majority of Professional Liability Insurance policies are issued on a “claims made” basis as opposed to an “occurrence” basis. Claims Made Insurance Contracts will respond only to those “Claims Made” during the policy period, subject to the Retroactive date on the Policy. With “Occurrence” type policies, the insurance contract that responds is the policy that was in force when the occurrence took place and not when the claim was made.
Based on PACCP’s policy of “Claims Made”, coverage for the individual counsellor ceases when the policy expires. If coverage is not renewed, then the counsellor has no insurance protection for any counselling services provided in the previous policy terms.
Am I covered for teaching or leading support groups?
Yes, you are covered for all teaching and related activities.
If you would like to purchase liability insurance through PACCP, please fill out the below application form and return with your application package (for new member).
Please fill out this form:
Copies of the policies can be provided by emailing our national office at firstname.lastname@example.org