Professional Liability Insurance for Social Services in Winnipeg
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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.
Do social service providers in Winnipeg need professional liability insurance?
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?
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.
How much professional liability insurance do Winnipeg social service professionals need?
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.
What other coverage does EasyCover offer to 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
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.
Cyber Liability
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.
Directors and Officers Liability
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.
What does professional liability insurance cost for social services in Winnipeg?
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.
EasyCover 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.
Protect yourself against the unexpected.
Protect yourself against the unexpected with Professional Liability Insurance for Winnipeg Social Service Providers from EasyCover.
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