Professional Liability Insurance for Saskatoon Social Services
Serving vulnerable clients brings complex risks. E&O insurance protects Saskatoon social service professionals from liability related to records, care delivery, or program outcomes.
Errors and omissions insurance for social service providers in Saskatoon
Social service professionals provide essential care for many vulnerable people in Saskatoon. While your goal is always to help others, unfortunately, this isn’t always the result. Professional liability insurance helps protect Saskatoon’s social service providers if they’re sued for causing financial loss as a result of their service or advice. With EasyCover, you get great coverage for an affordable price. Plus it’s incredibly easy – we’re online and available 24/7.
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 Saskatoon?
Professional liability insurance can cover legal expenses if you are sued for causing financial loss to a third party as a result of your professional service or advice. This includes defence costs, judgement awards and settlements. This coverage applies whether you are found to be at fault or not (you’ll still need legal representation regardless) but intentional and criminal actions are not covered.
You’re also only covered up to your policy limit. We offer three insurance limit choices with EasyCover: $1,000,000; $2,000,000; and $5,000,000. This is the maximum amount that will be paid out during a policy period, regardless of the number of claims. Consider the likelihood of a lawsuit, its expected costs, your annual revenue and your individual clients and contracts to determine your appropriate limit.
As a bonus, our policies all include retroactive cover. This means you are covered for claims made during your policy period arising from previous actions.
Social service providers insured by EasyCover in Saskatoon
With EasyCover by Acera Insurance, 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
Don’t see your sub-profession listed? No worries. Contact us and we’ll see how we can help.
Examples of professional liability insurance claims for social services
An error on a client’s documents for their employer and health insurer created additional costs for your client.
A client feels your counselling was not helpful and sues to recover the fees they paid for the service or the expenses of seeking professional support elsewhere.
You forget to submit paperwork which would help your client receive financial support for their recovery. Your client could sue to recover the lost benefits.
FAQs: Understanding Insurance for Saskatoon Social Service Providers
There are several reasons social service professionals in Saskatoon should have professional liability insurance:
- It’s required by your regulatory body or professional association.
- It’s required by a contract.
- Lawsuits are expensive and you can’t afford to cover the costs out of pocket.
We offer three optional limits of protection: $1,000,000; $2,000,000; and $5,000,000. The amount of professional liability insurance a social service provider in Saskatoon requires will depend on your individual situation. Consider the likelihood of a lawsuit, the expected cost of a lawsuit, your annual revenue, the number of clients you have and any contractual obligations or professional association requirements you may have.
The cost of professional liability insurance for social service professionals in Saskatoon will depend on your individual situation. Our policies may start at $440 per year for basic professional liability insurance, with commercial general liability starting at $220 per year and cyber liability starting at $150 per year. Your rates will depend on many factors including your insurance options, annual revenue, where you operate, your business operations and the number of employees you have.
Optional coverage for social service providers in Saskatoon
EasyCover offers three optional business insurance coverages for Saskatoon’s social services: commercial general liability, cyber liability and directors and officers liability.
Commercial General Liability Insurance
Helps cover costs if a third party is injured or has their property damaged as a result of your negligence.
Directors and Officers Liability Insurance
Helps cover legal expenses if you’re held personally liable for breaching your duties as a director or officer.
Cyber Liability Insurance
Can help cover recovery costs if your business is a victim of a cyber-attack or data breach, up to your policy limit.
Why should Saskatoon social workers select EasyCover by Acera Insurance?
Sasktoon social workers and other social service providers often choose to work with EasyCover to secure their professional liability insurance because we offer:
- Excellent coverage.
- Affordable rates.
- Quick and convenient quotes.
- Ability to purchase your policy online.
EasyCover by Acera Insurance makes it simple to get professional liability insurance for social service providers. We’re online which makes it easy, quick and convenient for you to get the coverage you need.
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.