Liability Insurance

Benefit from comprehensive coverage, highly competitive rates, exceptional service, and ongoing value


Tailored Insurance Solutions for CSHP Members

Members have access to comprehensive insurance coverage that meets your unique practice risk needs, including:

  • Professional Liability Insurance (PLI)
  • Commercial General Liability (CGL)
  • Business Professional Liability
  • Business Package Insurance
  • Cyber Security & Privacy Liability
  • Employment Practices Liability
  • Legal Services Package
  • Personal Legal Solutions
  • Business Legal Solutions
  • 24 Hour Accident Coverage

Please visit or contact BMS for more information or to purchase coverage. If you need to obtain a copy of your insurance certificate and/or policy wordings, please contact BMS. 

BMS Canada Risk Services Ltd.
825 Exhibition Way, Suite 209
Ottawa, Ontario K1S 5J3
Toll Free: 1 (844) 200-7033
Fax: (613) 701-4234

For more information about your Insurance Broker, BMS, and Insurance Regulatory Principles of Conduct, please click here.  

Coverage options

Individual Professional Liability Insurance (PLI) – Claims Made

Professional Liability insurance (PLI) protects you against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a pharmacist, pharmacy technician, pharmacy student, or resident or if a complaint is made against you to your College. PLI protects pharmacists, pharmacy technicians, pharmacy students, and residents by ensuring that your legal defence is coordinated and paid for if a claim is made against you. Your PLI also covers the cost of patient compensation or damages.

Commercial General Liability (CGL) – Occurrence Form

CGL provides coverage to protect against claims arising from injury or property damage that you or your business may cause to another person as a result of your operations and/or premises. This insurance is recommended for pharmacists who contract out their services or bill under their business name and for pharmacists who own or operate a business.

Apply for Coverage

Pro-rated savings

The policy term is July 1 to June 30.

Pro-rating applies to Pharmacist and Pharmacy Technician premiums. Pharmacy Student/Intern premiums are exempt from pro-rating. Applications submitted between December 1 and June 30 each term will be subject to pro-rated savings as follows:

  • December 1 – March 31: 25%
  • April 1 – June 30: 50%