Insurance

Insurance for CASC/ACSS Members

LIABILITY INSURANCE FOR CASC/ACSS MEMBERS

Please note that Liability Insurance will be available for purchase starting April 1, 2026.

For the upcoming year, June 1, 2026 to May 31, 2027 we have confirmed with our Insurance Brokers that our rates will remain the same as last year. CASC/ACSS looks forward to keeping these rates as low as possible – with the best coverage. Our advantage is the number of members who have joined our plan – it has given us the ability to negotiate excellent group rates!

CASC/ACSS does not accept responsibility or liability for any actions or misconduct of any Member. Each Spiritual Care Practitioner, Psycho-Spiritual Therapist, or any other Member of CASC/ACSS in the practice of professional spiritual care or professional counselling should consider the value of both Professional Liability and General Liability Insurance.

A lawsuit, whether justified or not, could drain the financial resources of your spiritual care or counselling practice. Individual misconduct is the sole responsibility of the Spiritual Care Practitioner, Psycho-Spiritual Therapist, or Member of CASC/ACSS. Membership does not, in any way, imply culpability or liability on the part of CASC/ACSS for any individual’s misconduct, unethical behaviour or criminal actions.

CASC/ACSS provides an affordable “Group Insurance Program” for our Members, consisting of Professional Liability and Commercial General (Third Party) Liability. This year we are pleased to confirm that is being extended to include the option of Property Insurance protection.

Liability Insurance is available through CASC/ACSS membership and includes two types of insurance coverage: 
Professional Errors  Omissions Insurance (Claims Made)  
General Liability Insurance (Occurrence) Included when Professional Liability is purchased.

To purchase Insurance please go to the Members Portal Store.

Claims

Claims-Process-What-to-Expect-When-You-Report-a-Claim-to-ENCON

Claims-Reporting-What-Should-You-Report-and-What-Should-the-Report-Contain

Please review the Manual Chapter 10 form 013 Standards for Liability or Malpractice insurance  for further information.

For more information about the insurance offered through CASC/ACSS, please contact the National Office, or our broker, Koran Henzel, at khenzel@rubaninsurance.com or 204-988-5000 ext. 107. www.rubaninsurance.com

 

Member Liability Insurance

1. Errors & Omissions Insurance Coverage Includes:

  • $5,000,000 Per Loss Limit
  • $5,000,000 Per Policy Period
  • $100,000 Penal Defense Coverage
  • $0 Deductible Per Loss
    $10,000 Therapy and Counselling
  • 2-year Extended Reporting Period (Run-Off)
  • included Teaching Extension (if applicable)

2. GeneralLiability Insurance Coverage Includes:

  • $2,000,000 Each Occurrence Limit
  • $2,000,000 Products and Completed Ops Aggregate Limit
  • $10,000 Medical Payments (per person)
  • $500,000 Tenants Legal Liability
  • $1,000 Deductible Per Loss

Student Member Liability Insurance

1. Errors & Omissions Insurance Coverage Includes:

  • $2,000,000 Per Loss Limit
  • $5,000,000 Per Policy Period
  • $100,000 Penal Defense Coverage
  • $0 Deductible Per Loss
  • $10,000 Therapy and Counselling
  • 2-year Extended Reporting Period (Run-Off)

2. General Liability Insurance Coverage Includes:

  • $2,000,000 Each Occurrence Limit
  • $2,000,000 Products and Completed Ops Aggregate Limit
  • $10,000 Medical Payments (per person)
  • $500,000 Tenants Legal Liability
  • $1,000 Deductible Per Loss

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