In this video, you will hear valuable information from the partners who provide these insurance coverages. View the video linked above and view the slides here.
We encourage all members to watch and reach out directly to these contacts should you have questions about your individual or clinic insurance coverage.
Commercial General Liability Insurance (CGL)
Each practicing midwife in BC is required to carry CGL insurance in addition to malpractice insurance coverage.
Failure to comply with the requirement to have CGL insurance can result in loss of your MPP coverage.
CGL insurance is designed to protect midwives’ and their business when applicable, from financial loss should you be sued due to bodily injury or property damage caused by your services or business operations and not related to your delivery of professional services. For example, someone may slip and fall on a wet floor, or you may accidentally cause property damage to a patient’s home during a consultation. Learn more by watching this video.
As a member of MABC you have access to a comprehensive and cost effective CGL policy though our program broker, BMS Canada Risk services.
You can contact a BMS broker directly at 1-855-318-6558 or mabc.insurance@bmsgroup.com to apply for coverage.
Please note, in addition to CGL, members can also now secure additional insurance products and services at exclusive rates, including:
Clinic Package
Legal Services Package
Cyber Security & Privacy Liability
Employment Practices Liability
Personal Legal Solutions
Business Legal Solutions
24 Hour Accident Coverage
Critical Illness Insurance
Family Cyber Coverage
Registration Requirement
The MABC office must receive proof of CGL insurance prior to processing new registration applications and during membership renewal.
Proof of CGL insurance in the form of a certificate of insurance must be provided at the time of membership renewal. The Certificate of Proof of CGL must include the items outlined in the Policy on CGL (PDF).
MABC's brokered Group CGL plan information
We have appointed BMS Canada Risk Services (BMS), as the broker for the MABC member CGL program
BMS will be your contact point to purchase coverage and for any coverage-related questions. For new applications, please email the completed FORM (PDF) to BMS at .
What Coverage Do I Need Guide (PDF) - BMS has prepared a quick guide to deciding what insurance is recommended for your practice. Note that the guide does not replace individualized broker advice so please speak with an insurance professional at BMS if you have questions about the most appropriate coverage for your specific practice circumstances.
Got questions? Click the drop down below for questions and answers.
Commercial General Liability Insurance (CGL)
CGL Questions & Answers posted on June 19, 2024
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?
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.
MABC Staff
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