What is your sleep-at-night factor when it comes to insurance? Do you lie awake at night fretting over what could go wrong, or have you taken the necessary steps to protect yourself and your practice?  Whether your Canadian private practice provides teletherapy, in-person counselling, or both, you need to make sure that you cover your bases. In this podcast episode, Tara and I discuss the ins and outs of liability insurance and which essentials you need to have in your insurance package to maintain professional protection and integrity. MEET TARA SCULLION Tara is a Registered Insurance Broker and Associate Director at BMS, a specialist broker that provides insurance coverage and risk management services to over 500,000 healthcare and regulated professionals across Canada and globally. Tara and the BMS teamwork to deliver evidence-based industry data and professional liability to counsellor and psychotherapist members across the country. Learn more about Tara on her LinkedIn profile and business website.  In this episode:  Liability insurance Some of Tara's insurance package recommendations for therapists  Liability insurance for online therapy Liability insurance  Liability insurance can also be called errors and omissions insurance or malpractice insurance.  You could potentially be found liable for damages if some advice or treatment you gave goes awry, and that's where you can offset some risk onto yourself by taking out liability insurance.  What you should make sure to include in your liability insurance policy:  If you are employed, check your employer's liability policy and see if you are included. If not, then you may need to get liability insurance.  Regulatory complaints. Some provinces have colleges where clients could make a complaint against you or your practice, therefore making sure your professional liability insurance includes coverage for regulatory complaints.  Some of Tara's insurance package recommendations for therapists  For Canadian therapists in private practice, Tara recommends taking out packages that include:  Professional liability insurance  Commercial general liability which provides coverage for third-party property damage or bodily injury  Commercial liability insurance for events and speaking gigs  Legal entity policy or business professional liability to protect your business entity name Liability insurance for online therapy  Now that many Canadian therapists are providing telehealth due to the pandemic, the business world has had to develop new strategies to protect both practices and clients online.  You have to look at:  Territorial limit of your policy: where your policy is covering you for the services that you are delivering.  Jurisdictional limit of your policy: the territory or country where a claim can be brought against you.  To further protect yourself and your practice, be sure to remain within your scope of practice both where you are located and where your client is located. This means that you keep to the regulations of your client's province, even if it differs slightly from yours.  Read up on GetCyberSafe about how you can further protect yourself and your Canadian private practice online while providing teletherapy and if you practice in different countries.  Connect with me: Instagram Website  Resources mentioned and useful links: How to Create a Video that Takes Your Marketing to the Next Level | EP 29 Learn more about the tools and deals that I love and use for my Canadian private practice Sign up for my free e-course on How to Start an Online Canadian Private Practice Learn more about Tara on her LinkedIn profile and business website  Jane App – use the promo code FEARLESS for one month grace period  Listen to my podcast episode about Starting a Canadian Group Private Practice | EP 26 Protect yourself online and read up on resources on GetCyberSafe

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