Personal Professional Liability Insurance

Updated: December 2011

College Contact: Member Applications & Renewals

In accordance with Article II, section 2.2 of College By-Law, all members engaged in the practice of pharmacy, including Students, Interns, Pharmacists (in Part A) and Pharmacy Technicians, are required to maintain personal professional liability insurance coverage. Following you will find the by-law itself along with questions and answers that further clarify the intent of the by-law and the language contained therein.

Note: When applying for a certificate of registration, all applicants will be required to complete a declaration confirming that they have obtained and will maintain personal professional liability insurance as specified in the By-law while registered with the College.

College By-Law, Article II, Membership in the College

Pharmacy Technicians, Interns and Pharmacists who are listed in Part A of the Register, (and Registered Pharmacy Students, effective January 1, 2012), must maintain personal professional liability insurance as follows:

2.2.1 Limit of Liability. The policy of insurance must contain limits of a minimum of $2,000,000 per claim or per occurrence and $4,000,000 in the annual aggregate.

2.2.2 Definition of Insured Services. The definition of Insured Services under the policy must include all professional services in the practice of pharmacy as regulated by the College.

2.2.3 Type of Insurance. Both “claims made” and “occurrence” form policies will be acceptable.

2.2.4 Retroactive Date. The policy must not contain a retroactive date and must provide for full prior acts protection.

2.2.5 Extended Reporting Period (ERP). If the policy is a “claims made” policy, it must contain an extended reporting period provision for a minimum of three years.

2.2.6 Personal Professional Liability Insurance Coverage. The policy must be issued in the name of the individual Member and provide that Member with mobility and coverage wherever in Ontario that Member practises.

2.2.7 Legal Defence Payments. Legal defence payments for regulatory proceedings or other legal proceedings potentially afforded by a personal professional liability policy must not erode the minimum limits of liability under the policy ($2,000,000 per claim or occurrence and $4,000,000 annual aggregate).

2.3 Evidence of Insurance. A Member shall, upon the request of the Registrar, provide proof of professional liability insurance in the required amounts and form, and a copy of the Member’s professional liability insurance policy.

Please direct any questions to Member Applications & Renewals at memberapplications@ocpinfo.com; 416-962-4861, ext 3400 or 1-800-220-1921, ext. 3400.