You may think that because your employer has liability insurance, you are automatically covered, but that might not be the case. There is no legal requirement in Canada for employers to provide a minimum amount of liability coverage for their employees.
While many employers have personal coverage for their employees, others may not provide it, may unknowingly provide an inadequate amount, or may require health care professionals to carry their own professional liability protection.
The table below compares CNPS PLP with employer liability coverage.
Legal representation/defence in the case of:
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