1. 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.
  • Clinic 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.
  • Commercial Property
    • Insures your commercial property, 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. Please note that a separate application is required to obtain a Commercial Property quote.
  • 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 assistance for personal and/or business matters. You have access to an unlimited telephone legal helpline, an online document and template library, and legal document review service.

Insurance Packages

Contact BMC at 1-855-318-6558
Professional Liability (PLI)
$288per year
  • $2M per claim / $5M aggregate
  • Clinic PLI also available
Commercial General Liability (CGL)
$288starting 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
$30per year
  • Unlimited Legal Helpline
  • Access to 150+ Legal Documents and Templates
  • Legal Document Review Service


Professional Liability Insurance 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 defence is coordinated and paid for if a claim is made against you, and also covers the cost of patient compensation or damages.

The Professional Liability Insurance has a Worldwide territorial limit excluding the USA and responds to claims brought against you within Canada.

The coverage territory for Commercial General Liability insurance Canada.

While Professional Liability provides coverage for the rendering or failure to render professional services, Commercial General Liability 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.

No. The professional liability insurance applies only to claims which give rise to suits or judicial proceedings first brought against you within CANADA.

The coverage territory for the commercial general liability insurance applies to occurrences worldwide but only to claims, demands or proceedings first brought against you in Canada or the United States or America, its territories or possessions.

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.

While the professional liability covers you for the rendering or failure to render professional services, commercial general liability is extended to cover claims for bodily injury, personal injury and property damage to others for which you are legally liable. Commercial General Liability insurance provides protection for family mediators for non professional liability exposures associated with serving clients. For example, the liability for clients falling and being injured on your premises or in your office. Commercial General Liability also extends to include such coverage as libel, slander, wrongful eviction and defamation.


Professional Liability Insurance protects you from incidents arising from your services rendered as a Family Mediator, subject to the terms, conditions and exclusions under the policy. It protects you for liability arising from negligence while rendering or failure to render professional services.

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