Professional Liability Insurance for Edmonton Social Services

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Social services worker in Edmonton

Social service providers offer critical support to those who are often struggling. Unfortunately, helping others can put you at risk for being sued. No matter your level of expertise or best intentions, your advice can cause financial loss to your clients. Luckily, professional liability insurance can help Edmonton social service providers cover legal expenses if they’re sued for negligence causing financial loss due to their professional service or advice.  

We make it simple to get the right coverage: 

  1. Provide basic contact information. 
  2. Answer a few questions about your business. 
  3. Choose your insurance coverage. 
  4. Review your quote. 
  5. Pay online. 

Once you’ve paid, we’ll send your policy documents and you’re insured! It really is that easy. 

Why do social services providers need professional liability insurance in Edmonton? 

Edmonton’s social service providers need professional liability insurance for three reasons: 

  1. The high cost of lawsuits. 
  2. Contractual requirements. 

Lawsuits are very expensive and most social service providers, contractors and small business owners can’t cover the costs out of pocket. Professional liability insurance can cover the associated expenses. 

Your contracts may also require you to carry a certain amount of professional liability insurance. Generally, this requirement is $1 million or $2 million of coverage for contracts in Canada. 

Some professional organizations, such as the Canadian Association of Social Workers, recommend practitioners carry this coverage. 

At EasyCover, we insure social service providers working in the following specialities: 

  • Adult Care 
  • Care Managers 
  • Care of Elders 
  • Children & Families 
  • Drugs & Alcohol 
  • Mental Health 
  • Occupational Therapy 
  • Probation 
  • Young Offenders 

Contact us if your sub-profession isn’t listed and we’ll see how we can help you! 

How much does professional liability insurance cost? 

Social service professionals in Edmonton will pay professional liability premiums in relation to their unique situation. Some factors that impact rates include annual revenue, number of employees and coverage options. Here are a few examples of what an Edmonton social service provider might expect to pay for professional liability insurance: 

  • A provider earning $65,000 a year with no employees may pay $440 per year for basic coverage. 
  • A provider earning $160,000 a year with one employee may pay $974 each year for $2 million in coverage. 
  • Either provider could add on cyber liability coverage for an additional $150 per year. 

What is covered by professional liability insurance for social services in Edmonton? 

Professional liability insurance protects Edmonton social service providers by covering legal expenses if they’re sued for negligence causing financial loss due to their professional service or advice or failure to provide it. This includes defence costs, judgement awards and settlements.  

This protection does not cover bodily injury, property damage or criminal acts. 

Here are a few examples of professional liability insurance claims for social services: 

  • An administrative error on a client’s documents for their employer and health insurer has resulted in additional costs for your client and they’re holding you liable. 
  • A client attending an in-patient facility on your recommendation may blame you for the financial loss when the facility does not help them.  
  • A client feels your counselling was ineffective, so they sue to recover the fees they paid for the service or the expenses of seeking professional support elsewhere. 
  • You forget to submit paperwork that would help your client obtain additional financial support for their recovery. Your client could sue to recover the lost benefits. 

We offer three levels of protection at EasyCover: 

  • $1 million 
  • $2 million 
  • $5 million  

This is the maximum amount that will be paid by your professional liability insurance over your 12-month policy term, regardless of the number of claims. Choose the amount based on your contractual requirements, the likelihood of a lawsuit and the expected cost of a lawsuit.  

EasyCover can help you protect yourself financially. We make it easy to get good coverage. Get a quote today. 

What optional coverages are available for Edmonton consultants? 

Besides offering professional liability insurance, EasyCover can also provide a few additional protections for consultants in Edmonton.  

Commercial General Liability Insurance (CGL) 

Commercial general liability insurance (CGL) is the most basic form of liability insurance.  It offers protection in the event that you or any of your employees accidentally injure a third party or cause damage to their property while carrying out business operations. This includes any injuries or damages that occur on your premises or on a client’s property. 

 CGL insurance is considered a critical coverage option and if you have professional liability insurance but leave CGL out, you may leave your business vulnerable. We start CGL coverage at $1 million but you can choose higher limits if desired or required. 

Directors and Officers Liability Insurance 

Directors and officers can be held personally responsible for their actions while serving on a board of directors if they have acted outside the law or failed to perform their duties properly.  Directors and officers liability insurance (D&O) is designed to offer protection for directors and officers, covering legal expenses from claims brought by regulatory bodies, suppliers and vendors, employees, creditors, and customers. 

Criminal penalties or offences will not be covered as this type of loss is not insurable by law 

Cyber Liability Insurance 

Cyber liability insurance is designed to help cover certain costs following an alleged or actual hacking event or privacy breach. EasyCover’s cyber liability coverage includes network security liability and privacy liability. It may help cover the cost of network security and privacy breach costs, business income interruption losses, defence costs, extortion fees, digital asset losses, and regulatory fines. 

Every policy has a specified limit, so be sure to familiarize yourself with yours and note any exclusions or separate deductibles. 

Why choose EasyCover? 

Social service consultants in Edmonton trust EasyCover for their professional liability insurance because we offer:

  • Great coverage.
  • Competitive prices.
  • Convenience.
  • Quick, easy service to get a quote or purchase your policy.

 

Protect yourself against the unexpected.

Protect yourself against the unexpected with Professional Liability Insurance for Social Services in Edmonton from EasyCover.

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