The only liability coverage endorsed by, designed and delivered exclusively for members of the CPA and the participating provincial/territorial psychological associations that make up CPAP. Seamless online renewal process, increased limits of liability, added coverage, lower premium cost. A program for the profession by the profession.
PROFESSIONAL LIABILITY & COMMERCIAL GENERAL LIABILITY
| CPA/CPAP BMS Group ✓ (Revised Option A) |
CPA/CPAP BMS Group ✓ (Revised Option B) |
CRHSP McFarlan Rowlands (Revised Option A) |
CRHSP McFarlan Rowlands (Revised Option B) |
|
|---|---|---|---|---|
| Professional Liability | ||||
| Claim Aggregate |
✓ $7,000,000 $10,000,000 |
✓ $10,000,000 $10,000,000 |
$5,000,000 $5,000,000 |
$7,000,000 $10,000,000 |
| Regulatory Legal Expense Deductible |
✓ $300,000 $0 |
✓ $300,000 $0 |
$250,000 $0 |
$250,000 $0 |
| Criminal Defence Reimbursement | ✓ $300,000 | ✓ $300,000 | $250,000 | $250,000 |
✓ All other material coverage is as good as or enhanced when compared to the expiring policy.
PROFESSIONAL LIABILITY & COMMERCIAL GENERAL LIABILITY
| ✓ BMS (new Member program) |
McFarlan Rowlands (new program) |
McFarlan Rowlands (old Member program) |
|
|---|---|---|---|
| Loss of Earnings | ✓ $1000 per day | $750 per day | $250 per day |
| Locums Extension | Yes | Yes | No Coverage |
| Expert Witness Legal Costs Coverage | Yes | Yes | No Coverage |
| Abuse Coverage | $1,000,000 (No Deductible) | $1,000,000 (No Deductible) | $1,000,000 (10% Deductible) |
| Cyber Liability and Privacy | $50,000 | $50,000 | No Coverage |
| Adverse Publicity Coverage | ✓ $50,000 | $25,000 | No Coverage |
| Maternity/Paternity Leave | ✓ Automatically Included | Included | Additional Premium |
| Retirement, Death, Disability (Tail Coverage) | Unlimited | Unlimited | Limited time available for additional premium |
| Loss of Documents | ✓ $100,000 | $75,000 | |
| Financial Loss Liability | ✓ $7,000,000/$10,000,000 | $5,000,000/$7,000,000 | |
| Human Rights/Labour Complaints | ✓ $300,000 | $250,000 | |
| Breach of Confidentiality | ✓ $7,000,000/$10,000,000 | $100,000 | |
| Coroner’s Inquest/Hearing | ✓ $7,000,000/$10,000,000 | $100,000 | |
| Specialized Legal Defence Services | ✓ Gowlings | Unspecified | |
| No deductible on supplementary coverages |
✓ | ✓ | |
| Office Building Coverage | Available | Available at group discounted rate |
Information obtained from McFarlan Rowlands public materials
✓ All other material coverage is as good as or enhanced when compared to the expiring policy.