Insurance

Errors & Omissions/Liability Practice Insurance

The College requires Registrants to maintain Errors & Omissions/Liability Insurance, preferably with Defense Insurance for College complaints, as part of certification compliance. The insurance should cover the credential’s scope of practice & the Standards of Practice for a Vocational Rehabilitation Professional. The Defense Insurance allows a practitioner to consult a lawyer early in the complaints process & allows frivolous or malicious complaints to be resolved quickly. Other levels of E&O/Liability insurance, not specifically designed for a Vocational Rehabilitation Professionals, may not be acceptable. It is the responsibility of the Registrant to ensure adequate coverage is maintained, whether through an affiliated association, personal or place of employment.

Registrants must maintain professional liability insurance with a minimum of 2 million per claim. Registrants on a Leave of Absense or Non-Practicing certification status is advised to maintain Professional Liability Insurance (E&O)/Liability throughout the leave plus contact their carrier to discuss practice status. Some carriers do have options of coverage for practice interruptions. Maintaining E&O/Liability insurance coverage ensures Registrants are protected from any claim that occurred prior to the LOA or NP. Proof of current E&O/Liability insurance will be required upon return to active practice

If no longer practicing, the college recommends attaining an “Extended Reporting Period” or “Tail Coverage” from your insurance company that extends policies to cover for potential lawsuits that stem from professional services rendered while active. “Extended Reporting Period” or “Tail Coverage” is usually available for a fraction of the cost of a policy.

VRA Canada offers an E&O policy with membership that will defend allegations. Trisura Guarantee Insurance Co., the insurance company underwriting VRA Canada’s program, cover legal defense costs & damages awarded to third parties (subject to the terms of policy). VRA Canada Insurance Program Overview.

Registrants who are not members of an association, Prolink Insurance Group has developed a policy for CVRP Registrants called “Miscellaneous Malpractice Liability Policy for Claims Made & Reported”.

For more information contact:
vra@prolink.insure
or
Andrew Spencer RIBO, BA(Hon)
Practice Leader – Non-Profit & Events, Commercial Enterprise
Tel: 416 644 7715
Email: AndrewS@prolink.insure