Message Regarding the CPA/CPAP BMS Liability Insurance Program

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Dear Members:

We hope that you are continuing to stay healthy during this challenging time.

In early May, you will receive the 2022-2023 CPA/CPAP[1] Liability Insurance Program renewal, directly  from the program’s broker, BMS. If you want to participate in the program for the first time, or if you haven’t received your renewal notice, please contact BMS at Note that the policy renews on June 1st, 2022.

You will see that Professional Liability Insurance (PLI) premium has increased this year. This is a direct reflection of both inflation and policy usage; millions of dollars of claims costs have been paid under the psychology program to defend and protect insured members.

The premium charged this year is substantiated by actuarial analysis and has been negotiated to keep the increase to the lowest amount acceptable to the Insurer to renew the policy. Since the costs associated with the program’s claims are mainly legal expenses, the Insurer will also be undertaking a review and audit of the legal providers utilized under the program, with the aim to ensure that the program operates as efficiently as possible while continuing to deliver superior legal representation and defence for insured members. With more than 12,000 participating members, the CPA/CPAP program is the largest program for psychologists and psychological associates in Canada and serves the psychology profession only. CPA and CPAP work closely with BMS to ensure that they have a broad and deep understanding of the profession’s insurance needs and practice landscape. As the manager of the psychology program, the CPA also works diligently and responsively with members whenever they reach out with a query about the program and its coverage and advocates on behalf of insured members, including throughout the claims process if required. In addition, CPA and CPAP work with BMS on practice and insurance-related webinar offerings to members and in administering research and development grants to students.

2022-2023 Professional Liability Insurance Coverage

Your CPA/CPAP policy will pay up to $10M annually for civil liability for loss from any and all insured claims arising out of the performance of or failure to perform your professional services.

Another important element of coverage under the policy is for Regulatory Legal Expenses, where members can access up to $300,000 annually to pay the costs of legal defence associated with any and all insured complaints made to your regulatory body (professional College). This is an essential piece of coverage, as more than 80% of claims under the CPA/CPAP program, in any given year, are College complaints.  Legal defence costs can range from tens to hundreds of thousands of dollars.  A review of the claims history for participants under the CPA/CPAP program indicates that one out of every 50 insured members will be subject to a professional liability claim in any given year.

Psychologists who are members of CPA and a participating provincial/territorial association will continue to receive a discount on their premiums. Please feel free to connect with BMS at 1-855-318-6038 or if you have any questions about the policy. Also feel free to reach out to CPA, in their capacity as manager of the program for CPA and CPAP’s provincial and territorial associations, with any queries at (please put “PLI program” in the subject line of your email).

We thank you for your participation in this program and for the confidence you have placed in Canada’s associations of psychology.

Be safe, stay well.

[1] The CPA/CPAP program is available to members of CPA as well as members of the provincial/territorial associations of psychology who make up the Council of Professional Associations of Psychologists (CPAP).