Professional Liability Insurance for Student
Professional liability insurance protects you from liabilities associated with your professional duties.
PLI is available for purchase exclusively to members and is not included in the membership fee.
Policy period is 2025 calendar year.
$37.00
Description
Protect Your Career with PLI
Professional Liability Insurance (PLI) provides protection from claims or lawsuits brought against you relating to your services, for example, if a mistake is made in dispensing medication.
90%
of members rely on us for their PLI
Did you know?
As of October 1, 2024, the Ontario College of Pharmacists (OCP) no longer requires pharmacy students to register with the College. Although OCP doesn’t mandate Professional Liability Insurance (PLI) for students, having PLI is important for you.
Here’s why:
- PLI protects you from legal costs and damages in cases of medication errors, miscommunication, or patient complaints.
- Schools and healthcare facilities may not offer sufficient liability coverage, leaving you at risk without your own PLI.
- PLI reduces liability concerns for supervising pharmacists, work placements, and employers.
- Carrying PLI promotes accountability, ethics, and proactive risk management essential for your career.
Why Choose OPA for Your Professional Liability Insurance?
Designed by Canadian insurance experts with input from pharmacy professionals, our program is the gold standard, providing the most reliable and thorough coverage.
Automatically covers any expansion of your scope of practice (approved by OCP) at no additional fee.
The program is administered by OPA which means you receive personalized service from us. Our team is here to help if you have any questions.
Compared to other plans, OPA’s PLI leads the way in providing a unique and critical range of individual insurance benefits. Our plan offers unique benefits, focusing solely on your protection rather than shared or group interests.
Other advantages
Our plan:
-
Is fully portable, following you across employers and locations. If you move permanently, confirm your new province’s scope of practice aligns with Ontario’s, as OPA insurance covers activities authorized by OCP.
-
Covers personal corporations for pharmacists who incorporate for liability relief, freelancing flexibility, or tax benefits, as long as the corporation is named on the certificate.
-
Covers you for suits alleging liability brought by U.S. residents, provided that the alleged “wrongful act” that gives rise to the claim took place in Canada and is extended to include suits brought against you that result in a judgement by a U.S. court that awards damages, when such a judgement is enforceable in Canada (dispensing operations in the U.S. and mail orders to the U.S. are excluded from coverage).
-
Offers the Preferred Lawyers Program (PLP), experienced in dealing with College complaints. Note that members will also continue to have the option of choosing their own legal representative with conditions applied.
-
Includes full prior acts coverage, addressing any claims arising since the start of your pharmacy career (any claim of which you have not yet been made aware).
-
Includes Extended Reporting Period (ERP) available for post-retirement claims, with a non-cancellable option covering your estate.
-
Includes an automatic 3-year extended reporting period available to OPA members retiring or moving to Part B of the register (longer periods are available at added costs).
Coverage
Mandatory coverage limits:
- $2 million/claim; $4 million aggregate
Tribunal Legal Expenses and Criminal Action Extension coverage (included with your PLI )*:
- $50,000/claim; $50,000 aggregate (subject to a deductible of $1,000/claim)
Essential Documents and Resources
Contact Us
If you require assistance or have questions about any of our insurance products contact us at:
- [email protected]
- 416-441-0788 ext. 2
Insurance Broker
Underwritten By
OPA programs you may also like
-
- Professional Liability Insurance for Technician
- From: $73.00 / year
- Insurance
-
- Professional Liability Insurance for Pharmacist
- From: $214.00 / year
- Insurance