1. Insurance

Insurance

Our Coverage

Professional Liability and Business Insurance Products

Your protection is our priority. BMS Canada Risk Services Ltd. (BMS) is the broker for Professional and Business Liability Insurance for FMC members.

Members can purchase comprehensive coverage that meets their needs at competitive premiums. The FMC Insurance Program is designed to provide ongoing value, including best-in-class service from its team of specialist brokers and legal partners

Members have access to a range of products at highly competitive rates:

  • Professional Liability
    • Protects you against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, or omission that has arisen out of your professional capacity as a Mediator.
  • Commercial General Liability
    • Protects you against claims arising from injury or property damage that you (or your business, including your staff) may cause to another person as a result of your operations and/or premises.
  • Business Professional Liability
    • Provides a separate limit of professional liability to protect your business assets if your business name is included in a statement of claim or lawsuit.
  • Contents, Crime & Business Income
    • Insures your property/contents, protecting you against loss or damage from a broad range of causes, including fire and water damage and other threats to business operations, such as vandalism.
  • Cyber Security & Privacy Liability
    • Protects against claims arising out of theft, loss, or unauthorized disclosure of a third party’s personally identifiable information. Coverage is designed to manage the risk of holding increasingly large quantities of personally identifiable data of clients, employees, and others, and to mitigate the reputational damage resulting from a data security breach.
  • Legal Services Package
    • Specialized legal helpline for personal and business matters. Members have access to a range of services including a telephone legal helpline, online library of document templates, access to lawyers to review your simple legal documents or draft a letter on your behalf. Members can also access experts for assistance for emotional support, identity theft protection and human resources.
  • Legal Expense Insurance
    • The Legal Expense Insurance policies automatically include the Legal Services Package, combined with coverage that empowers you to defend or pursue your rights in court. Members can purchase Personal Legal Solutions and/or Business Legal Solutions.
  • 24 Hour Accident Coverage
    • Provides a lump sum benefit where a loss or death occurs due to an accident, and where, as a result of the accidental injury, the disablement results in a permanent total disability.

To learn more about the insurance program, take a look at some frequently asked questions by FMC members.

If you have any coverage-related questions, please connect with BMS at 1-855-318-6558 or [email protected]. For more information about your Insurance Broker, BMS, and Insurance Regulatory Principles of Conduct, please click here.

Insurance Packages

Contact BMC at 1-855-318-6558
Professional Liability (PLI)
$302per year
  • $2M per claim / $5M aggregate
  • Clinic PLI also available
Commercial General Liability (CGL)
$302starting per year
  • Starting at $2M per claim
  • Higher Limits & Business CGL also available
Cyber Security & Privacy Liability
$115Individual, per year
  • $1M aggregate
  • Breach Response Services included
  • Coverage for Businesses also available
Legal Services
Package
$35per year
  • Unlimited Legal Helpline
  • Access to 150+ Legal Documents and Templates
  • Legal Document Review Service
  • ID Theft Protection Assistance
  • HR Assist
  • Emotional Assistance

FAQs

PLI protects you against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, or omission that has arisen out of your professional capacity as a Family Mediator.

It protects Mediators by ensuring that your legal defense is coordinated and paid for if a claim is made against you, and also covers the cost of client compensation or damages.

While PLI provides coverage for the rendering or failure to render professional services, CGL provides coverage for non-professional service exposures, such as claims involving bodily injury and property damage that has been caused by your operations and/or premises.

For example, if a client slips and injures themselves in your office, they may look to hold you and/or your business accountable for the damages.

The PLI has a Worldwide territorial limit excluding the USA and responds to claims brought against you within Canada. For coverage to apply, you must follow the required professional rules or regulations where you are delivering your services. You must also determine if there are any requirements where you are delivering your service and where your client is located.

The coverage territory for CGL is Canada.

It is not the role and responsibility of an insurance broker of an insurance company to define “family mediation”. At all times, the ultimate definition comes from FMC. If you are unsure if what you are doing is considered “family mediation”, then you should verify this with Family Mediation Canada.

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