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Malpractice Insurance

PROTECTING YOURSELF WHILE YOU PRACTICE
malpractice insurance
malpractice insurance

As Pharmacy Technician licensing moves across the country, our partnership with McCaslin Horne Insurance Brokers and Wynward Insurance Group delivers a portable, comprehensive liability program meeting all provincial regulatory authorities' requirements.

If you are a current CAPT member, simply complete the application for malpractice insurance and submit it. If you are not a current CAPT member, see the membership page and register today! Members may send insurance applications via CAPT by mail, e-mail (sdeane@capt.ca) , fax (416-410-1142) or mailed directly to McCaslin Horne Insurance Brokers.

Frequently Asked Questions

Members may use Visa or MasterCard credit cards to pay for insurance applications. Insurance policies will be mailed directly from McCaslin Horne Insurance Brokers. Please note: In Ontario 0nly, 8% tax is applied to the price of the policy. All policies are automatically renewed on an annual basis.

Should you have any questions or require assistance, please contact McCaslin Horne Insurance Brokers at 1-800-668-4830.

Membership Benefits
Pregnent women picking up top quality medicines from CAPT Pharmacy, the best pharmacy in Calgary.
CAPT Pharmacist animated svg image with top class CAPT medicines.

Program Highlights

Insurance Benefits At A Glance
  • $2,000,000 Per Occurrence / $4,000,000 Aggregate Policy Limits
  • Built-In $50,000 Of Legal Expense For Disciplinary Hearings At Provincial Licensing Bodies
  • No Deductibles
  • Meets OCP (Ontario College Of Pharmacists) & Other Regulatory Body's Requirements
  • Occurrence Form (Providing Long-Term Protection Against Claims After Retirement)
  • Coverage While You Perform Part-time Work
  • Coverage While Practicing Anywhere In Canada
  • Coverage While You Perform Volunteer Work**
  • Coverage Should You Give Advice At Social Settings**

** Subject to performing within the scope of practice as defined by your provincial licensing body.

Please note: MUST be a CAPT member to purchase the CAPT liability insurance policy.

Professionalism

Professionalism Comes with a Price

Regulated Pharmacy Technicians are quickly becoming a major force in the delivery of healthcare across Canada.

Along with this increased responsibility, technicians are also held to a higher standards and duty of care by the public. As licensed professionals, the regulatory college in each province requires you to purchase and maintain professional liability insurance known as "malpractice insurance" while practicing.

The College's objectives are to protect the public by ensuring that monies will be available in the form of compensation in the event of a "Negligent Act." However, the legal community pays close attention to technicians' duty of care and will not hesitate to launch an action against a technician if they feel they can access some of these newfound insurance dollars.

You will have several options available to you for coverage, but not all policies are created equal. CAPT's policy covers individuals for cases that occur even after they retire, giving you cradle to grave coverage.

Two Pharmacist talking to figure out top quality medicines which shows clear mission for CAPT.
Man filling out insurance form for CAPT pharmacy.

Claims Made Versus Occurrence Insurance

The two major forms of coverage that are available in the marketplace today are known as the "Claims Made" and "Occurrence" forms of insurance. There are advantages and disadvantages to both styles of coverage, but in your case, the various Colleges' requirements make the "Occurrence" form by far the more superior policy.

With the "Claims Made" policy, the wording states that the policy must be in force when the claim is made. This makes it tricky should you retire or leave the profession in cases which claims are brought against you long after you are no longer practicing. The solution is to purchase a runoff period of insurance that lasts for a number of years to protect you against claims that occur after you leave the profession. The problem is that it will cost you an additional premium to purchase this runoff coverage, and in some cases, the cost can be quite steep.

On the other hand, the "Occurrence" form states that the policy does not need to be in force when the claim is made, as long as it was in force when the incident occurred. This means that the need for runoff coverage is not necessary, as you will be protected against future claims after you leave the profession, provided you had this form of coverage while you were practicing.

Other things you will need to look out for in your policy are deductibles for defence costs, actual settlements or legal expense benefits for disciplinary hearings at the College if your policy contains this coverage.

Two Pharmacist talking to figure out top quality medicines which shows clear mission for CAPT.

Claims Made Versus Occurrence Insurance

We are pleased to have partnered with CAPT for a number of years in order to deliver the most comprehensive policy available to Regulated Technicians across Canada. The policy written on the "Occurrence" form contains no deductibles and provides an additional $50,000 of legal expense benefits should you need legal assistance related to a complaint made to the College from a member of the public or any other scope of practice issue. This does not include criminal acts or fraud. Our coverage's annual premium is only $75 per year with your CAPT membership and offers the best protection at a great value.

Should you have any questions, please do not hesitate to contact our office at 1-800-668-4830 or info@mccaslinhorne.com.
– Gary McCaslin, CAI, McCaslin Horne Insurance Brokers Inc.

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