Liability Insurance

ACCT's Liability Insurance PROGRAMS

Current professional liability insurance is mandatory to keep your professional membership in good-standing with ACCT. 

As a new member, you will receive a link in your welcome email to the two liability insurance programs.  You have six weeks after approval of membership to upload your proof of liability insurance. Each year you are not required to upload evidence of insurance but you must attest to having liability insurance when submitting your CCDP Report at membership renewal. 

For those new members who already have professional liability insurance, it is perfectly acceptable to use the current insurance until it expires at which time members are encouraged to renew under one of the ACCT group programs.

We are pleased to offer the following liability insurance programs to ACCT counsellors:

  • Competitive premiums
  • Renewal date September 1 of each year.
  • All options include online therapies endorsement with worldwide coverage including the USA subject to suits brought in Canada - USA exposure- no more than 25% of revenue. Restrictions on coverage for those living abroad (if the member is outside of Canada for more than 120 days, must contact Aon to arrange coverage)
  • No additional premium- coverage included in the above prices - restrictions for equine therapy coverage excludes treatment for the animal.
  • Competitive premiums
  • Each member has their own renewal date based on the date that the member signs up for coverage
  • All options include online therapies endorsement with worldwide coverage including the USA subject to suits brought in Canada. - USA & International exposure- no maximum limit subject to percentage of revenue being disclosed on the application. * *Premium subject to change when including USA and/or International revenue
  • No restrictions on coverage for those living abroad unless residency (for tax purpose) changes
  • Equine therapy coverage excludes treatment for the animal.

For a more comprehensive comparison between the two programs,  including pricing,  please see the following document:  Insurance Comparison Aon and EasyCover

If you have any questions please email [email protected].

If you are an approved member of ACCT and would like to apply for insurance with one of ACCT's preferred suppliers please go to Liability Insurance Applications. Please note:  You will be required to provide your four-digit ACCT membership number to apply for insurance.

For counsellors with US-based clients, clients need to know that all suits against the therapist will be under Canadian law and will be brought back to Canada. Further, all US services need to be disclosed and accepted by Insurer for coverage to apply.

As a professional counsellor/therapist you are liable for your services, whether you are acting as a volunteer, providing pro bono services, or charging for your services. Professional liability insurance provides invaluable protection to you and to your clients.

What can you do to help prevent a claim?

  • Be familiar with the regulatory requirements in your province and comply with them.
  • Maintain accurate and up-to-date files and records.
  • Be familiar with and abide by the Code of Ethics and Practice Standards for ACCT.
  • When in doubt, you may wish to obtain legal advice.