Professional Liability Insurance for Pharmacist
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.
From: $214.00 / year
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?
The Ontario College of Pharmacists (OCP) mandates that all registrants engaged in the practice of the profession maintain personal professional liability insurance coverage as specified in the OCP By-Laws. Learn more
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:
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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.
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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.
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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).
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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.
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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).
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Includes Extended Reporting Period (ERP) available for post-retirement claims, with a non-cancellable option covering your estate.
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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
- $3 million/claim; $5 million aggregate
- $5 million/claim; $5 million aggregate
Tribunal Legal Expenses and Criminal Action Extension coverage:
Basic coverage limits (included with your PLI ):
- $50,000/claim; $50,000 aggregate (subject to a deductible of $1,000/claim)
Upgraded coverage limits (available for a minimal additional premium):
- $100,000/claim; $300,000 aggregate (subject to a deductible of $1,000/claim)
Contact Us
If you require assistance or have questions about any of our insurance products contact us at:
Insurance Broker
Underwritten By
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