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Insurance for counselling professionals.

Join over 7,500 members from The Canadian Counselling and Psychotherapy Association (CCPA) who are insured through the CCPA Insurance Program, brokered by BMS.

Support when it matters most.

These included services help protect your practice, support your clients, and give you peace of mind every day.

Security you can rely on.

Expand your coverage.

Supplement your policy to cover every angle of your practice.

More ways to protect you and your family.

Add extra coverage to safeguard what matters most in your personal life.

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United Kingdom
BMS Group
One America Square, London EC3N 2LS, UK
+44 (0) 2074 807 288
© 2025 BMS Group

Apply for coverage.

Apply through our secure online portal today.

Professional Liability Insurance.

Protect your practice, your reputation, and your peace of mind with coverage designed for counselling professionals.

Professional Liability Insurance (PLI) protects you against liability or allegations of liability arising from a negligent act, error, omission, or malpractice in your professional capacity as a counsellor, counselling therapist, or psychotherapist.

This includes complaints made to a regulatory body, claims of breach of confidentiality, defamation, or failure to provide appropriate care, as well as the legal costs of defending yourself — even if the claim is unfounded.

PLI ensures you have financial and legal support so you can focus on your clients with confidence.

E-Counselling

E-Counselling services delivered in Canada and worldwide.

When providing e-counselling services, coverage applies only if you are working within your scope of practice and complying with professional regulations in both your jurisdiction and the jurisdiction where your client or patient is located.

Retirement / parental leave

Full prior acts coverage, meaning there is no retroactive date.

The CCPA policy includes 7 years of Extended Reporting Period (ERP) coverage at no extra cost, protecting you against claims from past incidents after you retire or stop practicing.

Pro bono legal services

Receive access to pro bono legal advice.

Members with the Canadian Certified Counsellor designation have access to a Pro Bono Legal Helpline upon request to the National Office. Members receive confidential legal advice on any personal, legal, or tax matter, and can access the helpline from 8am to midnight any day of the week, or 24/7 in any emergency.

Disciplinary legal expenses

Coverage for legal costs related to responding to a complaint or appearing at a disciplinary hearing before a regulatory organization or agency.

Criminal defence reimbursement

Reimburses defence costs for Criminal Code cases arising from professional services rendered in Canada, provided the insured is found "not guilty".

Abuse defence reimbursement

Reimbursement for the legal costs associated with the defence of an abuse allegation derived from professional services, if found "not guilty".

Therapy & counselling fund

Funding for the rehabilitation and therapy of a patient or client who suffered abuse in the course of an insured member’s professional practice.

Loss of earnings

Replaces income you lose if you’re unable to work due to a covered claim, investigation, or legal proceeding.

Extended reporting period

Automatically receive 7 years of extended reporting at no charge for professional liability claims that are first discovered and filed after you have retired and/or discontinued practice.

Out of country

Refers to professional services performed outside the country where the policy was issued, for a period of up to 90 consecutive days.

Loss of documents

To replace a third party's loss of physical documents. For example, if you were to lose client files or if the files were destroyed due to fire.

Subpoenaed to appear

Coverage for legal costs and assistance if you are formally required to attend court, a hearing, or an official proceeding as a witness or respondent in relation to your professional duties.

Libel and slander

Provides coverage if you are legally challenged for written (libel) or spoken (slander) statements that harm someone’s reputation.

Breach of copyright

Coverage for claims in connection with an actual or alleged breach of patent, design, trademark, trade name or copyright.

Good Samaritan Act

Legal protection for professionals who provide emergency assistance voluntarily and without expectation of compensation.

Eligibility.

Coverage is available to members of the CCPA who fall within one of the following categories:

  • Canadian Certified Counsellor (CCC)
  • Member in a Regulated Province, including:

College of Registered Psychotherapists of Ontario
Ordre des conseillers et conseillères d’orientation du Québec ou l’Ordre des psychologues du Québec
Nova Scotia College of Counselling Therapists
College of Counselling Therapists of New Brunswick
College of Counselling Therapy PEI

  • Has applied for CCC
  • Student Member

Report a claim.

Individual and Clinic Professional Liability, Commercial General Liability, Property, and Employment Practices Liability claims

Contact Berkley Canada at claims@berkleycanada.com.

Cyber Security & Privacy Liability claims and Data Security Breaches

To report a claim, contact Beazley at claims.canada@beazley.com.

To access Breach Response Services, please email bbrcanada@beazley.com or call 1-844-778-5950.

Legal Expense for Insurance Audits

For legal costs associated with having to respond to an investigation, inquiry or audit from an insurance company or benefit provider.

Business Professional Liability

Protects your business and its assets if the business is named in a statement of claim or lawsuit.

Commercial General Liability

Protects you against claims for injury or property damage arising from your business operations or premises.

Contents, Business Income & Crime

For members who operate a practice in which they are the sole professional and have contents or property to insure.

Cyber Security & Privacy Liability

To manage the risks of holding sensitive personal data and reduce reputational damage from a data breach.

Employment Practices Liability

Covers defence costs and damages for employment-related claims such as wrongful termination, discrimination, harassment, and retaliation.

Business Legal Solutions

Covers legal costs for matters such as employment protection, auto legal defence, contract disputes, debt recovery, tax issues, and property or injury claims.

Personal & Family Cyber Protection

Covers identity theft, cyber extortion, and cyberbullying, with expert recovery support and proactive monitoring to strengthen your digital security.

Legal Services Package

Access to a legal helpline, document templates, lawyer support, and expert guidance for identity protection and HR matters.

Personal Legal Solutions

Covers legal costs for contract, tenancy, and vehicle disputes, licence defence, personal injury, property, and tax matters.

24 Hour Accident Coverage

Provides a lump-sum benefit for accidental death or permanent total disability.

Critical Illness Insurance

Covers costs of critical illnesses, providing a tax-free lump-sum payment for one of 30 covered conditions.

Travel Insurance

Covers medical emergencies, hospital care, ambulance, and accidental dental treatment while traveling.

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