Practice Risk Solutions

Coverage Details and Options

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Plan Coverage Details Cost
Plan I Professional Liability $5,000,000 per claim
$5,000,000 aggregate
Commercial General Liability $5,000,000 per occurrence
$5,000,000 aggregate
Plan II Professional Liability $5,000,000 per claim
$5,000,000 aggregate
Commercial General Liability $5,000,000 per occurrence
$5,000,000 aggregate
Office Contents
Business Interruption
Actual Loss Sustained
Plan III Professional Liability Only $5,000,000 per claim
$5,000,000 aggregate;

All the above plans include the following as part of the professional liability coverage:

E-Services Included
Regulatory Legal Expense $200,000 per claim
$200,000 aggregate
Criminal Defence Reimbursement $150,000 per claim
$150,000 aggregate
Loss of Earnings Up to $750 per day
Coroner’s Inquest $75,000 per claim
$150,000 aggregate
Abuse Therapy Fund $20,000

Additional Coverage Options

Legal Entity Coverage Professional Liability (shared with individual professional liability limit) $5,000,000 per claim
$5,000,000 aggregate
$125 (up to 2 employees)
Student Professional Liability (while working under an insured member’s supervision) $5,000,000 per claim
$5,000,000 aggregate
No additional premium
Cyber Liability and Privacy Breach Privacy Breach Extension $1,000,000 per claim $98
Increased Contents (Pertains to Plan II only) $100,000

Professional Liability

Professional liability insurance protects members against liability or allegations for injuries or damages to a third party (such as a patient or client) that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a social worker.

Your Professional Liability Insurance also provides you with the following coverage:

CASW members are protected when providing social work services to their clients anywhere in the world, as long as the CASW member is rendering his/her services within Canada, the CASW member abides by applicable regulatory requirements in the province/location in which the client resides, and the action against the CASW member is filed in the US or Canada.

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Regulatory Legal Expense (Disciplinary) Coverage
Regulatory legal expense endorsement provides coverage for legal costs associated with having to appear at a disciplinary hearing with a regulatory body. In the event of a complaint or investigation, members are provided with superior legal representation and defence protection. Examples include complaints alleging professional misconduct, incompetence, or incapacity.

Criminal Defence Coverage
Coverage provides reimbursement to an insured members for defence costs associated with a case filed under the Criminal Code if the professional service was rendered in Canada and the member is found ‘not guilty’ of the criminal charge.

Sexual Abuse and Counselling Fund / Abuse Limitation
All options include a maximum funding of $20,000 for the rehabilitation and therapy of a person who, while a client, suffered abuse in the course of an insured member’s practice as a social worker. Members who have employees and have purchased the legal entity coverage are also provided with a $1,000,000 sublimit to pay for defence costs and damages because of civil claims relating to alleged abuse or threat of derived from the services of their employees.

Coroner’s Inquest Legal Expense
Provides coverage for legal expenses incurred by a member from or in connection with a coroner’s inquest, or similar special inquests or commissions before which the insured member is called upon to appear.

Additional Coverage Definitions

Commercial General Liability
Commercial general liability insurance (CGL) provides coverage to protect against claims arising from injury or property damage that you (or your business) may cause to another person as a result of your operations and/or premises (for example, a client may slip and fall on a wet floor and injure themselves).

This coverage is recommended for CASW members who own or operate clinics. Coverage is also recommended for independent practitioners who contract out their services or bill under their business name.

Legal Entity Coverage
In the event of a claim, both the treating social worker and your business name are likely to be named in a statement the lawsuit. Legal Entity Coverage protects the business and its assets in such circumstances. This coverage is recommended if you have social workers working for, or on behalf of, your clinic and billing under your clinic name.

Businesses that employ professionals other than social workers are not eligible for this coverage.

Extended Reporting Period
The professional liability insurance is on a claims-made form meaning that coverage must be in place at the time that a claim is brought forward. If you are on parental leave, taking a sabbatical, anticipate retiring or are no longer working as a social worker, an extended reporting period coverage is available to protect against claims that may arise from previous services.

Student Coverage
CASW members can extend their individual Professional Liability policy and protect against the additional exposures of student placements, while students are under their supervision.

Cyber Security & Privacy Liability Coverage
This comprehensive coverage is provided for CASW members to protect against liability arising from the unauthorized disclosure of your client's private information, and your legal obligation to prevent system and/or website breaches.

Coverage extends to provide CASW members with those expenses incurred with regulatory proceedings. CASW members are also protected for the costs incurred with a regulatory proceeding, and the legal fees to determine and respond appropriately to Privacy laws. Cover is also provided public relations costs to mitigate your reputational damage.

This comprehensive Cyber coverage also protects CASW members from Extortion costs, and the costs associated with damage, deletion, or the inability to access your electronic data and software. This product also includes cover for business interruption.

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Employer’s Liability Coverage
Do you employ administrative and/or professional staff? Does your clinic engage independent contractors, volunteers, or students? This insurance is designed for business owners to protect against allegations of employment practice violation, including wrongful termination, discrimination, workplace harassment, and other employment related allegations.

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