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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.