The following content has been developed in partnership with CSRT’s insurance broker, BMS Canada Risk Services Ltd. (BMS). It is provided for general information purposes only and does not constitute broker advice. Please speak with a broker at BMS if you have any questions about your insurance coverage or your specific insurance needs.
How is ‘Employee’ defined as it relates to CGL?
- The definition of “employee” under the current policy is consistent with MABC’s expiring policy and is standard across CGL policy wordings and insurers.
- Employee is defined as someone who is in the Insured’s service, who the insured compensates by salary, wages, or commissions, and who the insured has the right to direct and control while they are performing their services for the insured.
- Persons who are volunteers, independent contractors, and others of the same general character are not employees.
- To meet an insurer’s definition of an employee, the midwife must be:
- working for the practice,
- paid by the practice,
- be working under the direction and control of the practice, and
- not be a volunteer or independent contractor.
What about Locums?
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As a locum, you may hold your own CGL policy. If you do not have your own policy, it is critical that you confirm with the host and/or clinic practice policy holder to confirm that you are covered. If you need more information about your specific scenario, we direct you to speak to an agent of BMS.
Do I need cyber insurance?
- There is no mandate from MABC, BCCNM or the MPP provider that you have cyber insurance coverage. We however, are not insurance experts and highly encourage you to discuss your individual needs and risks with an insurance broker.
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