Professional Liability Insurance for Toronto Social Services
Social service providers in Toronto work with vulnerable communities—where documentation or care delivery errors can lead to legal claims. E&O insurance helps reduce your liability.
Errors and omissions insurance for social workers in Toronto
If you’re a social worker, you could be held responsible for malpractice, errors or mistakes associated with your interactions with a client. While many costs may be covered by your professional organization and a Commercial General Liability insurance policy, your legal defense costs may not be fully covered.
Fortunately, EasyCover offers Toronto social services professional liability insurance (also known as errors and omissions insurance). This unique form of insurance can protect you when the unexpected happens, offering coverage that will help pay for your legal costs should you be held liable for any alleged mistakes or omissions made as a social worker. It’s the ultimate way for Torontonians working in social services to protect their finances and reputation.
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
Why should social workers in Toronto have professional liability insurance?
Professional liability insurance offers valuable protection to social service providers in Toronto in the event a client challenges your professional service or advice by taking legal action against you.
For example, if a client thinks the therapy you provided was not effective (or even harmful), they may sue to recover the service fees they paid. Or, a client could sue you to recover lost benefits if you forgot to file a report that would have helped them secure additional financial support.
When facing such accusations, you would need to pay to defend yourself, even if the claims made against you were not valid. Without professional liability insurance, you would have to cover expensive legal costs out of pocket. However, with the right errors and omissions insurance, social service providers in Toronto can rest easy knowing their legal costs will be covered.
Is it mandatory for social service providers in Toronto to carry professional liability insurance?
While the government does not mandate professional liability insurance like it does automobile coverage, some professional organizations, such as the Canadian Association of Social Workers, highly recommend social service providers carry professional liability insurance.
Defending yourself from allegations of negligence and professional mistakes can be extremely costly. Thankfully, errors and omissions insurance can help social service providers in Toronto cover:
- Defence expenses, such as hiring a lawyer or lost wages due to court attendance.
- Restitution, such as settlements and judgement awards.
Toronto social service providers insured through EasyCover
The social service field in Toronto is varied, with professionals offering a range of services. EasyCover offers professional liability insurance to social workers and other providers who specialize in the following areas:
- 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? Not a problem. Contact us and we’ll see how we can help.
Examples of professional liability insurance claims for Toronto social workers
Complaint of malpractice
A client has launched a complaint with your professional organization, but legal costs are not covered by the organization’s insurance.
Error on documentation
It is discovered that you made an administrative error on a former client’s documents for their health insurer, and now they are holding you liable for the costs.
Disciplinary action
An employer has accused you of making a mistake and being negligent. You require Social Worker Professional Liability insurance to cover your legal fees.
How are professional liability insurance rates calculated for social workers in Toronto?
Many key factors are considered when determining professional liability insurance premiums, such as:
Your area of specialty
The social service field is extremely varied, with professionals in Toronto offering a range of services and advice. EasyCover secures professional liability insurance for social service providers who specialize in the several areas from occupational therapy to addiction counselling.
The size of your business
Your annual revenue and number of employees will impact your premiums. EasyCover offers professional liability insurance to social service providers in Toronto who make up to $2 million per year, with a maximum of five employees covered under the policy.
Your level of coverage
One of the most important considerations when purchasing professional liability insurance is your coverage limit. EasyCover offers three levels of coverage: $1 million, $2 million and $5 million. When selecting a limit, please be mindful this is the maximum amount that will be paid out for all approved claims within your policy year.
Optional protection for social service providers in Toronto
Professional liability insurance offers protection in situations where claims of negligence or mistakes in expert advice or services, cause financial damages for your clients. As such, it is pretty easy to understand why this is an important coverage for social service providers in Toronto. However, businesses may need additional liability insurance to be fully protected.
Commercial General Liability Insurance
Many businesses rely on commercial general liability coverage. This offers protection for third party bodily injury or property damage caused by negligence. The coverage usually excludes professional services causing a financial loss.
Directors and Officers Liability Insurance
If you’re held personally liable for a breach of duty while acting in your capacity as a director or officer, this coverage can help cover your legal expenses and protect your personal assets.
Cyber Liability Insurance
Maintaining digital records of client’s private information can make you more vulnerable to the risks of cyber attacks. Cyber liability offers protection in cases where you might be the victim of a data breach.
Why do Toronto social workers trust EasyCover by Acera Insurance for their E&O coverage?
Toronto social workers and other social service providers frequently depend on EasyCover to secure their professional liability insurance because we offer:
- Comprehensive coverage.
- Affordable premiums.
- Quick and convenient quotes.
- Option to complete your transaction online.
EasyCover by Acera Insurance makes it easy to get errors and omissions insurance for social service providers. Our tool is online 24/7, which makes it very convenient for you to get the coverage you need.
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Simple answer a few questions to immediately receive a quote, bind your policy and pay online in only a few short minutes.