Alberta College of Social Workers
It is with great enthusiasm that ACSW announces a partnership with HDF Insurance to launch a Professional Liability Insurance Program exclusively for ACSW members. HDF Insurance was able to negotiate a comprehensive Insurance Program for ACSW members at the lowest premiums currently offered in the market place.
Renewals and coverage for the 2017/2018 term will be available for purchase effective March 1st. Please contact us directly if you have any questions regarding the upcoming term. Insurance premium payments are 100% earned from the date of purchase.
Program Highlights Include:
- $3 million in Professional Liability AND General Liability can now be obtained for only $125 (includes $200,000 in Disciplinary Defense cost all with no deductible)
- Option for General Liability and Property Coverage.
- Abuse coverage with a $1,000,000 limit
- Libel and Slander coverage is included
- Legal Assistance Hotline
Program Resources & Forms
If you do not wish to complete your application online, download the appropriate application form(s) and email to: firstname.lastname@example.org.
Complete Insurance Solutions for the Alberta College of Social Workers (ACSW)
HDF Insurance has partnered with the ACSW to be the key provider of Professional and Commercial Liability coverage’s available to members. HDF Insurance is a full service brokerage offering all commercial and personal insurance lines. ACSW and HDF Insurance have worked closely to develop comprehensive and affordable insurance solutions exclusively available to members of the Alberta College of Social Workers.
Frequently Asked Questions
Our comprehensive program for ACSW members can lead to a few questions. Here are the answers to the most common questions
What Is Professional Liability Insurance And Why Do I Need It?
Professional Liability Insurance or Errors & Omissions (E&O) protects you in the event a third party (ie client) makes a claim against you or your practice arising out your professional service as a social worker. The policy will respond to liability from negligence while rendering or failure to render professional service. E&O insurance provides claims assistance and legal representation. The limit of insurance purchased covers both legal defense costs and damages awarded to a third party.
What Is The Difference Between Professional Liability Insurance And Commercial General Liability Insurance?
As mentioned above, professional liability insurance covers you from negligently rendering or failing to render professional service. Commercial General Liability insurance or (CGL) provides coverage for claims brought against social workers by third parties alleging bodily injury, personal injury and property damage for which you are legally liable. CGL insurance protects social workers for their non-professional exposures. For example, a client that slips and falls on your premise with claim against your CGL insurance. CGL is designed to work with and not duplicate coverage from professional liability insurance.
Does The ACSW Require Proof Of Commercial General Liability (CGL) Insurance?
Although not officially an association requirement, the Liability Insurance program is offered as a level of protection to ACSW members. Members operating independent facilities/offices need CGL protection to expand the capacity of their liability protection. Members operating from a home office should consult with their home insurance provider if CGL coverage is extended to their social work practice.
Am I Covered Anywhere In The World?
Only wrongful acts committed in Canada and suits brought in Canada and the United States are covered. No Sub limit.
When can I stop carrying Professional Liability
Your Professional Liability insurance policy is issued on a “claims-made and reported” basis, meaning that the policy in place at the time that the claim is reported is the policy that will respond.
If you are planning to retire (and will no longer be practicing), it is recommended that you protect yourself against future claims by purchasing Extended Reporting Period coverage. This can be done by contacting HDF Insurance, who can extend your policy for the desired length of time in order to provide coverage for future claims arising from prior incidents and exposures that occurred during your past occupational therapy practice.
What do I do in the event of a claim
Prompt claims reporting is critical to the process of bringing claims to a successful resolution.
Members aware of any actual or potential claim must report it immediately. If a member receives a formal notice or statement of claim, the notice must be reported in writing to the insurer within 30 days. Please refrain from making any written or oral statements to the claimant, unless the insurer or adjuster advises to do so. Please do not offer to compensate a patient as such action could interfere legally with the management of a claim.
Should a member seek independent legal services for a potential claim, any fees associated with such services may not be recuperated under the policy limits unless notice has been provided to the insurer before such legal representation commences.
In the event of a potential claim or if a member is formally served with a statement of claim, members should follow the guidelines below:
- Immediately report any potential claim to HDF Insurance
- Formally document the incident, including details of those involved
- Submit any formal statement of claim to HDF Insurance
- Report any regulatory investigations or notice of complaint within 30 days
Members Should Not
- Speak with any third parties about the claim
- Assume any legal fees before reporting a claim
- Offer compensation to independently settle a claim
- Amend or change any previous clinical records once a statement of claim has been received
Members who are aware of a potential claim should contact HDF Insurance immediately at 780-488-0921 or toll free 1-800-567-2048