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Personal Coverage

Coverage D

Key Highlights of Coverage D

Insured Services

Coverage for those activities below, relating to a licensed administrative assistant:

  • Life insurance
  • Annuities
  • Accident & Sickness, hospitalization or medical insurance policies
  • Investments otherwise insured under the policy
Limits & Policy Aggregate

  • $1,000,000 per claim / $2,000,000 annual aggregate
  • $2,000,000 per claim / $2,000,000 annual aggregate

Deductible

$1,000 per claim

Defence Costs

Legal defence costs and supplementary payments are part of, and not in addition to, the limit of liability.

Territory

Worldwide coverage is provided (subject to the claim being made and brought within Canada, the United States, and its territories and possessions, including the District of Columbia).

Prior Knowledge

The APA E&O Plan does not apply to any claim or circumstances which may reasonably result in a claim, whether reported in the application or not, known to any Insured before the effective date of this policy; however, when this policy replaces, without interruption, a policy previously issued by the Insurer, this exclusion applies only to claims previously known to an Insured before the inception date of the first policy issued by the Insurer.

Extended Reporting Period (also referred to as "ERP")

Leaving the business? Your exposure to allegations of negligence does not end when you cease practice.

You can elect to purchase one to six years of Extended Reporting coverage under the policy.

For more information, go to Extended Reporting Period Coverage.

Discount for Loss Prevention and Control Seminars

Members attending a Loss Prevention and Control/"Protect Your Practice" Seminar may be entitled to a 5% discount* on their renewal premium for three consecutive years. Contact your local Advocis chapter for seminar dates.

*Some conditions may apply for members with current or prior claims history

Pricing

2017/2018 Policy Year (effective for dates May 1 2017 to April 30 2018)

Acceptance

Special consideration will be given to Licensed Administrative Assistants of a current plan participant upon completion and underwriter acceptance of a supplementary application that outlines duties.

The above information is only an outline of the coverage provided. Please contact an APA member services group representative with any questions. Some restrictions will apply. Acceptance under Coverage D is subject to final underwriter approval.

Pricing information for different coverages. Learn more...