Professional Liability Insurance for Edmonton Social Services
Social workers in Edmonton operate under high scrutiny. E&O insurance protects against claims tied to reporting errors or outcomes from care services.
Errors and omissions insurance for social service providers 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:
Step 1:
Provide basic contact information
Step 2:
Answer a few questions about your business
Step 3:
Choose your
insurance coverage
Step 4:
Review your options and pay online
Interested in purchasing your professional liability online in minutes?
Acera Insurance offers EasyCover where you can get a quote, bind your policy and pay online in only a few short minutes. Get comprehensive coverage and affordable rates quickly and easily.
Here are some of the benefits of EasyCover:
- Get free online quotes 24/7
- No long, confusing applications to fill out
- Purchase and manage your policy online
- Support by phone, email or chat
- Option to bundle with other coverages
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.
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 by Acera Insurance can help you protect yourself financially. We make it easy to get good coverage. Get a quote today.
Social service providers insured by EasyCover in Edmonton
With EasyCover, we insure social service providers working in the following specialties:
- 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!
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.
FAQs: Understanding insurance for Edmonton social service providers
Edmonton’s social service providers need professional liability insurance for three reasons:
- The high cost of lawsuits.
- 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.
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.
These are two different types of insurance that cover two different types of liability risk. Professional liability insurance covers Edmonton social service providers if they are sued for causing financial loss to a third party in the course of providing their service or professional advice. General liability wouldn’t cover you in this situation, as it covers injuries and property damage caused by negligent acts.
Optional protection for social service consultants in Edmonton
Besides offering professional liability insurance, EasyCover can also provide a few additional coverages for Edmonton social service consultants.
Commercial General Liability Insurance
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 should Edmonton social workers choose EasyCover by Acera Insurance?
Edmonton social workers and other social service consultants should select EasyCover to secure their professional liability insurance because we offer:
- Great coverage.
- Competitive prices.
- Quick and convenient quotes.
- Ability to purchase your policy online.
We’re one of the few digital options in Canada – you don’t need to speak to a broker to get insured! With EasyCover by Acera Insurance, we provide the professional liability insurance social workers in Edmonton need. Plus, we make it easy.
Ready to get your free professional liability insurance quote?
Simple answer a few questions to immediately receive a quote, bind your policy and pay online in only a few short minutes.