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Insurance for psychological professionals.

Join over 13,000 members from The Canadian Psychological Association (CPA) and/or the Council of Professional Associations of Psychologists (CPAP) who are insured through the CPA/CPAP Insurance Program, brokered by BMS.

Benefits that go further.

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

Peace of mind starts here.

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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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.

The insurance program

The program.

CPA/CPAP members have access to a combined policy that offers comprehensive protection for your professional services and day-to-day practice risks across all work settings.

Professional Liability

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 psychologist or psychological associate, including complaints made to a regulatory body.

It covers the cost of your legal defence and any resulting client compensation or damages.

Commercial General Liability

Commercial General Liability Insurance (CGL) protects you from financial loss if you are sued for bodily injury or property damage arising from your business operations, excluding professional services.

This includes incidents like client slip-and-falls, damage to a landlord’s property, and certain advertising or personal injury claims.

Telepsychology

Telepsychology services delivered in Canada and worldwide.

When providing telepsychology 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 CPA/CPAP policy includes 10 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 summary pro bono legal advice from Gowling WLG.

Participants have access to a free, confidential professional helpline offering dedicated legal advice on a wide range of practice issues, including privacy and confidentiality, conflicts of interest, third-party information requests, regulatory inquiries, subpoenas, professional misconduct, and ethical obligations.

Gowlings Pro bono Legal Advice:
1-855-441-4424

Regulatory legal expenses

Coverage for legal costs related to responding to a complaint or appearing at a disciplinary hearing before a provincial 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".

Sexual abuse therapy fund

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

Loss of earnings

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

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.

Locums extension

For a qualified locum temporarily hired for a maximum of 30 days as a result of a professional liability claim under the policy.

Breach of copyright

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

Extended reporting period

Automatically receive 10 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.

Eligibility.

The Professional Liability Insurance Program is available to eligible psychology practitioners who are members of the CPA and/or who are members of a participating provincial or territorial organization that is a member of the CPAP.

The following provincial/territorial association members of CPAP are participating in the program:

  • British Columbia Psychological Association - www.psychologists.bc.ca
  • Psychologists Association of Alberta - www.psychologistsassociation.ab.ca
  • Psychology Association of Saskatchewan - psychsask.ca
  • Manitoba Psychological Society - www.mps.ca
  • Ontario Psychological Association - www.psych.on.ca
  • Psychological Association of Prince Edward Island - www.papei.org
  • Association of Psychologists of Nova Scotia - www.apns.ca
  • Association of Newfoundland Psychologists - www.apnl.ca
  • College of Psychologists of New Brunswick - www.cpnb.ca
  • Association des psychologues du Québec - www.apqc.ca
  • Association of Psychologists of the Northwest Territories – www.apnwt.org
  • Psychological Society of Yukon – www.psychologicalsocietyyukon.org

Report a claim.

Individual and Business Professional Liability and Commercial General Liability claims

Contact Crawford & Company at 1-877-805-9168 or email BMSclaims@crawco.ca

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.

Employment Practices Liability claims

Contact Berkley Canada at claims@berkleycanada.com.

Personal and/or Business Legal Solutions claims

Call ARAG at 1-877-255-4269 (English) or 1-888-845-5205 (French).

Property claims

Contact Ecclesiastical at claimsservices@ecclesiastical.ca or 1-888-693-2253 if you are experiencing an emergency outside of normal office hours.

24 Hour Accident & Critical Illness claims

Contact BMS at 1-844-583-7747 or IPG through LionsGateUW@ipgclaims.com.

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.

Business Commercial General Liability

Protects businesses from financial loss should you be sued due to bodily injury or property damage caused by your services or business operations.

Contents, Business Interruption & Crime

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

Business Package

For members who operate a practice with other professionals working for or delivering services on behalf of their business 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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