Liability Insurance

CSHP endorses Benson Kearley IFG as its broker for professional liability and commercial general liability insurance. Benson Kearley IFG is a multi-line insurance brokerage based in Newmarket, Ontario. Their specializations include professional liability for healthcare and other professional disciplines.


To be eligible to purchase insurance through this group policy, each applicant must:

  • Be a Member, Individual Supporter, or Student Pharmacist Supporter of CSHP; and
  • Ensure that the expiry date of their CSHP membership or supporter status matches the expiry date of their insurance policy; or
  • Ensure that the expiry date of their CSHP Student Pharmacist Supporter status is June 30 or later in the same year that their insurance policy expires.


CSHP offers a competitively-priced policy that is compliant with provincial requirements. 

Professional liability insurance  

Policy term: July 1, 2018 to June 30, 2019

Pharmacy Student
or Intern*
$1,000,000 per claim/$1,000,000 aggregate $150 $75 not available
$2,000,000 per claim/$2,000,000 aggregate $175 $88 not available
$2,000,000 per claim/$4,000,000 aggregate $200 $100 $50
$3,000,000 per claim/$3,000,000 aggregate $250 $125 $80
$4,000,000 per claim/$4,000,000 aggregate $300 $150 $95
$5,000,000 per claim/$5,000,000 aggregate $350 $175 $125

* Note: A "pharmacy student" is someone who is enrolled in either a Baccalaureate in Pharmacy degree program or a first professional Doctorate of Pharmacy degree program.

Commercial general liability insurance

Policy term: July 1, 2018 to June 30, 2019

$1,000,000 per claim $175
$2,000,000 per claim $225
$3,000,000 per claim $255
$4,000,000 per claim $290
$5,000,000 per claim $350

Pro-rated discounts

Professional liability and commercial general liability insurance applications submitted mid-term will be subject to a pro-rated discount as follows:

November 30 to March 31
  • 25% discount (great option if your current insurance policy expires in December!)
April 1 to June 30
  • 50% discount
Students or Interns
  • Premiums are exempt from pro-rated discounts. Student and Intern premiums are paid in full throughout the year. 

Application instructions

  1. Ensure that the paid through date of your CSHP membership, Individual Supporter, and Student Pharmacist Supporter status date matches the expiry date of the insurance policy. 
  2. You may not be able to access the insurance application instructions (see #3 below) immediately upon joining or renewing. If this is the case, please try again the following business day. Our system may experience a delay in updating your CSHP login credentials. 
  3. Follow this link to access the insurance application instructions (login required). If you are redirected at login, return to this page to access the instructions.
  4. Once your insurance policy has been purchased, check your email for a copy of your payment receipt and insurance certificate.
  5. Next spring, an email reminder will be sent directly from Benson Kearley IFG to all existing policy holders.


Article edited by Michael McQuaid, Vice President, Corporate Risk, Benson Kearley IFG

    Trisura Legal Assistance Hotline

    Your Trisura Guarantee Insurance Company policy includes access to unlimited legal advice by calling 1-866-945-5207. If you have any questions that require the assistance of a lawyer, the Trisura Legal Assistance Hotline is available from 8 am to midnight (local time), seven days per week. In emergency situations, your call will always be answered.

    What do I do if I require legal assistance?

    1. Have your policy number ready. By having the information ready, we will be able to quickly confirm that you are a Trisura policyholder.

    2. Call the Hotline at 1-866-945-5207. The first voice you hear will be a customer service agent, who will take down basic information and direct you to the correct area of the law. You will then either speak directly to a lawyer or schedule the most convenient time for a lawyer to call you back.
    3. Speak with the Lawyer. Our lawyers are knowledgeable and courteous, and will provide you with the information and clearly defined next steps. There is no limit to the duration or number of calls. On the contrary, it is encouraged to call whenever you have a legal concern to help minimize risk of more complicated future problems.

    Broker Contact Information

    Insurance-related inquiries should be directed to:

    Gerrie Bolton, Benson Kearley IFG
    Toll-Free (800) 463-6503, ext. 1256
    Direct (905) 707-5141 ext. 1256