Accessing My Malpractice Insurance
A complaint or disciplinary action can be a scary time in a pharmacist's career. In addition to the stress of the situation, pharmacists may not fully understand their malpractice policies or how to access them. The following is an interpretation of the policy and benefits that members have access through their malpractice insurance, along with a description of legal terms and processes.
What You Are About to Read
This is an interpretation and not a substitute for the Pharmacists' Malpractice Insurance policy document created by Wynward Insurance Group. It does not detail the insurance policies' limitations and conditions. This document also references and interprets legislation including but not limited to that which is applicable to registered Saskatchewan pharmacists through the Saskatchewan College of Pharmacy Professionals (SCPP). Legislation can be found here.
*Please note: provincial pharmacist legislation supersedes all information contained in this document. Pharmacists are encouraged to review their malpractice coverage, policy options, and provincial legislation.
Features of Your Malpractice Insurance1) $2,000,000 coverage per occurrence and $2,000,000 annual aggregate for compensatory damages with no deductible.
This means each basic policy member pharmacists are entitled to $2,000,000 coverage if found guilty of a malpractice infraction. They are not required to pay any portion of the damages up to $2,000,000.2) Supplemental coverage up to $5,000,000.
Pharmacists can purchase additional malpractice coverage every year. For $50 per million, pharmacists can have additional liability coverage up to $5,000,000 for compensatory damages with no deductible. Pharmacists must purchase this directly through the broker, Kevin Baros.
What is an Occurrence Policy?
This means if the insurance was in place at the time the incident or "occurrence", it is the subject of the professional liability claim. So, as long as the Insured had a current and valid policy at the time of the incident, coverage will be retroactive whether or not the policy is active today.
Please note: A "Claims Made Policy" means that the malpractice insurance policy responds if it is in place at the time in which a claim for damages or other relief is made. In Saskatchewan pharmacists who carry a claims made policy are required to purchase a minimum of 2 years of claims made insurance after they cease to practice.3) Coverage is not restricted to only workplace errors or omissions.
With a valid /current policy, the Insured is protected in malpractice claims where professional pharmaceutical services may have been given in a non-traditional setting, for example, advice that is given in a social setting or outside of practice hours. Insured pharmacists providing professional pharmaceutical services are covered anywhere in Canada.
Please note: Wynward Insurance Group can at any time, cancel a policy with 10 days' notice.
Wynward Insurance Group agrees to defend, at its cost and subject to limitations, the Insured in any disciplinary proceeding. The cost can include legal fees related to disciplinary proceeding costs, a complaint or investigation or preliminary investigation, volunteer practice and pharmacy student supervision of the Insured before the applicable provincial College of Pharmacy Professionals.
Wynward Insurance Group reserves the right to appoint counsel of its choice to defend the Insured in any claim. Wynward Insurance Group will not be liable for any fines, penalties or costs levied against the insured by the applicable College of Pharmacists or be liable to defend the insured in any disciplinary proceeding in which it is alleged that the Insured committed or attempted to commit, directly or as a party, a fraudulent or criminal act.
Malpractice Insurance Cancellation
If you are moving to another province or retiring and not planning to remain licensed in Saskatchewan, you will be required to cancel your malpractice insurance.
Please complete the malpractice insurance cancellation form below and submit by and fax (306) 352-6770 or email.
Note: Refer to your PAS Membership Profile for your Policy Number - i.e. SKP0000
Malpractice Insurance Release and Cancellation Form
For more information about malpractice insurance contact:
The PAS office
By phone at (306) 359-7277 or by email