Professional Liability Insurance for Winnipeg Social Services
Social service providers often face complex liability risks. Get peace of mind in Winnipeg with E&O insurance tailored to protect against documentation errors, disputes, or outcomes tied to your care.
Errors and omissions insurance for social service providers in Winnipeg
Social service providers help many different people in the Winnipeg community. Unfortunately, no matter how good your intentions are, you may make a mistake or have a client who believes you’ve given them advice that resulted in a financial loss. Luckily, EasyCover can help.
We make it simple to get professional liability insurance for social service providers in Winnipeg. Plus we offer other liability protection! It’s easy – just take 5 minutes to get a quote. If you like what you see, you can buy online and be insured in only a few minutes.
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 does professional liability insurance cover for social services in Winnipeg?
Professional liability insurance covers legal expenses if you’re sued for causing financial loss to a third party due to your professional service or advice. Let’s say you make a mistake or miss a deadline to file paperwork, resulting in a client missing out on important funding. They could sue you to make up that financial loss. This coverage could help cover your legal expenses like defence costs as well as judgement awards or settlement fees.
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 Winnipeg
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
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 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 Winnipeg social service providers
Yes, social service providers should carry professional liability insurance in Winnipeg. Depending on your specific profession, it may be required by your professional association. It may also be required as part of your contract. Finally, it helps reduce the financial burden of a lawsuit – could you afford to cover those 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 Winnipeg 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.
A social services professional might expect professional liability insurance rates in Winnipeg to start at $440 each year before provincial sales taxes.
Here’s one example: A mental health provider earning $90,000 per year might pay around $440 per year for basic professional liability insurance. They could add on cyber liability for $150 and commercial general liability for $220 per year.
Optional protection for social service providers in Winnipeg
We also offer the following insurance to Winnipeg’s social services: commercial general liability, cyber liability and directors and officers liability.
Commercial General Liability Insurance
If a third party is injured or has their property damaged, this coverage can help cover related expenses. A common example is if a client visits your office and slips on ice or water and gets hurt.
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
If your business is victim of a cyber-attack or data-breach, this coverage can help with your recovery expenses. This can include regulatory fines, legal expenses, public relations and other costs. Given the potentially sensitive nature of data and the prevalence of cyber-attacks, we strongly recommend social service providers in Winnipeg have this protection.
Why should Winnipeg social workers choose EasyCover by Acera Insurance?
Winnipeg social workers and other social service providers should select EasyCover to secure their professional liability insurance because we offer:
- Comprehensive coverage.
- Competitive 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.