Professional liability insurance of l’Ordre des Psychologues du Québec

For over 20 years, Bernard & Fabien Assurances has been the exclusive broker for the professional liability insurance program developed by l’Ordre des Psychologues du Québec, in collaboration with Intact Assurance.

The program

A psychologist, or a psychotherapist permit holder not eligible to a professional order membership, is required to subscribe to l’Ordre des Psychologues du Québec’s professional liability insurance program.
Exceptions apply, especially when a psychologist or a psychotherapist permit holder already has insurance coverage through his employer (a public organization for example).

Also, psychologists operating under a legal corporate form, either a limited liability partnership (LLP) or a joint-stock company (JSC), must also subscribe to the professional liability insurance group plan.

The insurance coverage

The insurance policy issued by Intact Assurance covers your professional liability in case of negligence or faults committed practicing your profession. The contract also provides coverage for any damage resulting from a security or confidentiality breach, intellectual property infringement or personal damage related to data, committed in the covered professional services context.  

The provided liability coverage is $1 million per claim and $3 million per policy term. It is possible to increase this coverage to $2 million per claim and $4 million per policy term.

The insurance term always covers from April 1st to March 31st of the following year.

Insurance renewal for psychologists

Each year, approximately 30 days prior to April 1st, a renewal notice is sent by email to psychologists mentioned on a list provided by l’Ordre des Psychologues du Québec.

The renewal email notice contains the invoice to be paid with the payment instructions, the new term insurance certificate, and a FAQ document (frequently asked questions).

Insurance Renewal for psychologists operating under a legal corporate form

Each year, approximately 30 days prior to April 1st, renewal notices are sent by email.

In order for us to proceed with the renewal, you must:

  • Fill out and return the renewal application attached to our email.
  • Make sure that each psychologist working in the company has made the payment for his individual liability insurance.
  • Have made the payment for the company’s professional liability insurance.

 

Once these requirements have been met, you will receive your invoice with the mention “premium paid”, as well as the insurance certificate.

New registration of a psychologist

Registration is possible at any time. The annual premium for the current term ending April 1st is $109 including tax. However, in the case of registration during the year, the full premium is required for applications submitted before September 30th.  If the request is submitted on or after October 1st, these fees will be reduced by 50%, therefore $54.50 including tax.

To join the program, please contact us:
By email: psychologues@bernardfabien.ca
By phone: 1-800-363-7873 ext. 238

Link to make your payment: www.bernardfabien.ca/paiementOPQ

New registration for psychologists operating under a legal corporate form

In order to join the program, you must:

  • Have completed the new membership form.
  • Make sure that each psychologist working in the company has made the payment for his individual liability insurance.
  • Have made the payment for the company’s professional liability insurance.

 

Once these requirements have been met, you will receive your invoice with the mention “premium paid”, as well as the insurance certificate.

Frequently Asked Questions
How can I pay my insurance premium?

There are 2 payment options:

  • By cheque made out to Bernard & Fabien Assurances  and mailed to 203-750 boul. Marcel-Laurin, Saint-Laurent, QC, H4M 2M4
  • By credit card Visa or Mastercard, via the following site:  https://www.bernardfabien.ca/paymentOPQ
Do I have to pay my premium if I am on maternity, invalidity or sick leave, or retired?

First, make sure to notify l’OPQ of your situation in order to change your member category.  Afterwards, refer to one of the following 3 situations:

1- If no professional activity is carried out between April 1st of the current year and April 1st of the following year, payment for insurance is not required.

2- If you resume your professional activities before October 1st of the current year, full payment is required.

3- If you resume your professional activities after October 1st, 50 % of the premium will be required.

If I retire, must I keep my insurance in force?

If you were insured and retired during a period of insurance for which you paid your premium, you remain insured for subsequent periods of insurance with no additional premium.

I am retired or no longer practicing, what happens if a lawsuit is filed against me?

If the professional services subject of the lawsuit were rendered while you were a member in good standing of l’Ordre, and insured under Intact’s contract, you benefit from coverage under the terms and conditions of the contract in force at the time of the claim.

Is my student covered by my insurance policy?

Yes, a student under your supervision is considered insured under the contract, but only while performing   his duties on your behalf.

Is professional liability insurance mandatory?

Yes, if you are a member of the OPQ and your practice is private or if you are an employee of an organization that does not offer protection for professional liability.

Does this professional liability insurance include access to a lawyer for legal advice?

No

If I have to appear before psychologists’ syndic following a complaint, are legal fees paid by my professional liability insurance?

No, these fees are not covered.

Are legal fees in case of a civil lawsuit covered by my professional liability insurance policy?

Yes, if the civil action is for professional services covered by the contract, the Insurer has an obligation to defend you in regards to a claim made against you for damages covered by the contract. Defense costs include, but are not limited to, legal expenses, expertise fees and investigation costs.