Summary of Insurance Benefits & Features

Transcription

1 Summary f Insurance Benefits & Features Prfessinal Liability (Errrs & Omissins) Insurance This cverage prtects the member &/r their legal entity private practice frm the liability impsed upn them by law fr damages claimed by a third party, resulting frm a prfessinal errr r missin r negligent act, cmmitted during the curse f their activities as a Clinical Cunsellr r Psychtherapist. It als prtects the B.C Assciatin f Clinical Cunsellrs vicariusly fr claims resulting frm prfessinal services rendered by a member insured under the prgram. A claim can be a written r ral allegatin f a breach in the rendering f yur services r receipt f a written r ral mnetary demand. Cverage is available fr either $2,000,000 r $5,000,000 per claim. Pays the full cst f the legal defense up t the limit f liability selected. N deductible fr any claim. N exclusin fr libel & slander LEGAL EXPENSE INSURANCE NOW INCLUDED IN BCACC PROFESSIONAL LIABILITY INSURANCE OFFERING As f April 1 st 2015, BCACC members wh have purchased Prfessinal Liability (Errrs &Omissins) Insurance will have persnal Legal Expense Insurance autmatically included in their insurance package. This cverage will pay all f the assciated legal csts: in the event yu are audited by the Canada Revenue Agency [CRA] r wish t appeal a CRA decisin with regards t yur persnal tax affairs fr unlimited telephne legal advice frm qualified lawyers fr any persnal legal questins yu have The plicy prvides unlimited telephne legal advice fr any general persnal legal questins yu may have. Simply call and prvide yur BCACC Legal Expense Insurance plicy number GRP Yu can call frm 8am t midnight, 7 days a week, r 24h/day in emergency situatins. Sme general legal issues examples; I m underging a separatin with my spuse. Hw can I ensure mre time with my children than ne weekend ut f tw? I believe I m being harassed at wrk. What type f behaviur is cnsidered harassment? What steps can I take t rectify this? Hw can I btain a pwer f attrney ver my father s assets? Are there any incme tax cnsequences regarding a recent inheritance? Is it pssible t cancel the sale f a huse? I d like t learn mre abut family mediatin. 1

2 I believe I have been wrngfully dismissed. What legal ptins t I have? I purchased a hme with defects that were nt visible at the time f purchase. What are my legal rights in the matter? * A $500 deductible applies t CRA tax audit.($10,000 max per claim) ** Plicy wrding fr full terms, cnditins and exclusins relating t the Legal Expense Insurance cmpnent f yur plicy is available upn request frm The Mitchell & Abbtt Grup. Prfessinal Services "Thse services rendered by the Insured, while acting within the scpe f the Insured's duties as a "clinical cunsellr" (Clinical Cunselling) r "psychtherapist" (Psychtherapy), usual and custmary t thse practices and fr which they are trained and qualified". (Plicy definitin) Cvers thse services rendered by the Insured member while acting within the scpe f their duties as a clinical cunsellr (Clinical Cunselling) r psychtherapist (Psychtherapy), usual and custmary t thse practices and fr which they are trained and qualified. Includes the entire BCACC Scpe f Practice, a cpy f which is included with this summary. Nte: Equine /Canine Therapy, On-Line/E-Cunselling and Parent Crdinatin are cvered by definitin f Insured Services. Adventure Cunselling activities are NOT autmatically cvered but will be cnsidered upn referral t the underwriter. Students & Educatinal/Training Operatins This extensin f the basic Prfessinal Liability insurance cvers bth the insured member and the student fr: liability resulting frm the members activities as a teacher/trainer f student clinical cunsellrs; and fr liability resulting frm the actins f students perating under their direct supervisin. This extensin is autmatically included at n additinal cst Unlicensed administrative assistants fr whm yu are respnsible are included. Cverage Territry Prvided the member is acting within the BCACC Scpe f Practice, the plicy applies t CLAIMS (errrs, missins r negligent acts in the rendering f Insured Services ) against the INSURED anywhere in the wrld but the right and duty t defend any INSURED nly applies befre a curt f civil jurisdictin in Canada r the United States f America. 2

3 Legal Expense fr Disciplinary Hearings This extensin cvers the cst t btain legal representatin at any disciplinary hearing, review cmmittee, r Canadian curt called upn t adjudicate an infractin. It als cvers the cst f legal representatin t accmpany yu shuld yu be subpenaed t appear as a witness in an incident relating t clinical cunselling. The plan pays 100% f the csts, N deductible. The limit f cverage is $150,000 per Insured Member per Plicy Perid. Penal Defence - Legal Expense Reimbursement This cverage pays fr reasnable csts, charges and expenses t defend an insured member against ffenses/charges under the Criminal Cde f Canada, such allegatins ccurring frm the rendering f Insured Services. Csts, charges and expenses are cvered n a reimbursement basis nly after acquittal r nt guilty verdict n final appeal. The limit f cverage is $200,000 per Insured Member per plicy perid. N Deductible Sexual Abuse Therapy Fund This extensin will pay fr the therapy & cunselling f a sexually abused patient when an Insured member has been fund t be at fault under civil r criminal prceedings. The limit f cverage is $25,000 per Insured Member per Claim, $50,000 per Insured Member per plicy perid. N Deductible Sexual Abuse & Miscnduct Defense Csts Reimbursement This extensin will pay fr all reasnable csts, charges and expenses n a reimbursement basis nly fr defense f an insured member against allegatins f abuse r sexual miscnduct subject t a finding f n liability r dismissal. The limit f cverage is $250,000 per Insured Member per plicy perid. N Deductible 3

4 Security & Privacy Liability The limit f cverage is $50,000 per Insured Member per Claim and in the aggregate per plicy perid. N Deductible Lss f Earnings This extensin will reimburse INSUREDS fr reasnable expenses incurred in the defense and investigatin f a CLAIM f up t $1000 a day that shall include salaries, in lieu f wrk, t attend discveries, mediatin, trial, inquests r human rights tribunal. Retirement r Inactive Member Optinal Cverage Extensin As Prfessinal Liability insurance is written n a Claims Made basis, nly claims actually made against the member DURING the plicy perid are cvered, regardless f when the event(s) ccurred r the services rendered. Therefre, even thugh a member retires r becmes inactive, ceases t wrk as a clinical cunsellr, r dies, there is still the pssibility f a lawsuit being initiated against the member fr past cunselling service. The BCACC prgram addresses this expsure while still acknwledging that, as an inactive r retired member, there is a reduced risk t the insurance cmpany. Inactive (Temprary Cessatin f Business) Onging cverage may be purchased at a reduced premium. Cverage is renewable each year after Inactivity - 40% f the expiring premium fr the first year f Inactivity - 30% f the expiring premium fr the secnd year f Inactivity - 20% f the expiring premium fr each subsequent year Retirement Any Certificate hlder (member) wh retires during the plicy perid is autmatically prvided with 7 years pst-retirement cverage immediately fllwing the end f that plicy perid at n additinal cst. Retirement shall mean a cmplete discntinuance f his/her practice/prfessin & shall include retirement, death, disability r cessatin f business. Nte: Members cming ut f Retirement will be eligible t enrll subject t a mre cmprehensive applicatin. 4

5 BCACC Missin Statement & Scpe f Practice fr Registered Clinical Cunsellrs BCACC Missin Statement The B.C. Assciatin f Clinical Cunsellrs is a sciety f regulated Clinical Cunsellrs dedicated t prviding the highest standard f prfessinal cunselling, assessment, testing and training services. Members f the sciety (Registered Clinical Cunsellrs ) act t enhance mental health by prviding respnsive, accuntable and ethical cunselling, cnsulting, assessment, testing and training services t individuals, cuples, families and grups. BCACC Scpe Statement Cunselling is a relatinal prcess based upn the ethical use f prfessinal cmpetencies t facilitate human thriving. A cunsellr s scpe f practice is that use f recgnized and evlving prfessinal cmpetencies. 5

6 Office Package Insurance Prgram The fllwing is an Executive Summary f sme f the key cverage prvided by the prgram. This prgram is ne f the bradest in the industry and allws members t tailr their cverage t their specific needs. Basic Package Cmmercial General Liability $ 2,000,000 OR $5,000,000 Higher limits available upn request *** Members, wh have an ffice r d any private practice field wrk, shuld cnsider Plan II as the minimum requirement t supplement their Prfessinal Liability cverage. Prfessinal Liability DOES NOT include General Liability. The Cmmercial General Liability nly cvers claims fr slip & fall type injuries t clients and ther Third Parties r damage t their prperty. In general, Prfessinal Liability nly cvers thse claims resulting frm cunselling. Other liability expsures frm yur business activity are nly cvered by purchasing Cmmercial General Liability. Business Cntents $ 25,000 OR $50,000 - $500 Deductible (All Risk, Replacement Cst, 90% C- Insurance)- includes cmputer hardware. $ 5,000 Crime Insurance, including Emplyee Dishnesty Higher limits available upn request Prperty Insurance $ 25,000 Prperty at Temprary Lcatins $ 25,000 Prperty at a Newly Acquired Lcatin $ 2,500 Persnal Prperty f Emplyees ($500. per emplyee) $ 10,000 Building Damage by Theft $ 2,500 Plants, Shrubs & Trees $ 50,000 Valuable Papers $ 50,000 Accunts Receivable Recrds $ 50,000 Prfessinal Fees due t a Lss $ Included Sewer Backup ($2500 deductible) $ 25,000 Fire Department Charges $ Included Cmputer Accidental Breakdwn $ Included Data, Media & Extra Expense $ 25,000 Cnsequential Lss/Electrical Damage/Off-Premises Services 25,000 Debris Remval Extensin 25,000 Fire Prtectin Equipment Recharge $ 25,000 Exhibitin Flater $ Included Signs $ Included Blanket Glass $ 25,000 Cntents Off Premises 6

7 $ 25,000 Prperty in Transit $ 25,000 Unnamed lcatins $ 10,000 Master Key General Liability Insurance Bdily Injury/Prperty Damage Persnal Injury/Advertising Injury Prducts & Cmpleted Operatins Blanket Cntractual Liability Crss Liability Brad Frm Prperty Damage Medical Payments - $5000 per persn/$25,000 per accident Brad Frm Tenant s Legal - $500,000. Cntingent Emplyer s Liability Nn-Owned Autmbile - (Endrsement #6) Business Interruptin 12 Mnths Actual Lss Sustained - Prfits frm Extra Expense 10,000. (100% available in the first 30 days) Crime Insurance Emplyee Dishnesty - Frm A Inside/Outside Rbbery/Hldup Mney Orders/Cunterfeit Paper Currency Depsitr s Frgery Medical Expenses Fllwing Crime r Attempted Crime Accidental Death & Dismemberment Accidental Death & Dismemberment- 24 hur Wrld Wide cverage payable in the event f death r injury caused by an accident frm business r persnal activities. Cverage is NOT fr incme replacement. This dcument is fr infrmatin purpses nly. It des nt frm part f the insurance plicy nr des it prvide any rights r privileges. 7