BMS: Practitioner Insurance Program

Member liability insurance from BMS


BMS Canada Risk Services Ltd. (BMS) is the broker for the exclusive and official liability insurance program endorsed by the Canadian Psychological Association (CPA) and the Council of Professional Associations of Psychologists (CPAP), of which APNS is a member. As one of the largest programs in the country with over 10,000 participating members, the CPA/CPAP Member Liability Insurance Program offers a full range of coverages specifically designed to meet your practice risk needs. Coverage options include protection for Professional Liability, Commercial General Liability and business-related exposures. With expert service and support on your side, new risk resources and best-in-class legal defence, the CPA/CPAP program is designed to suit your professional needs. For more information, please visit

BMS Program Orientation Presentation

About the Program, Exclusive to CPA and CPAP Provincial/Territorial Members

Participating members of the insurance program receive dedicated legal advice and practice risk resources based on liability trends in psychology. In this model, risk management and patient safety are a key priority, with a direct positive financial impact on future premiums and loss reserves.

Tailored Insurance Solutions for APNS Members

Members have access to comprehensive insurance coverage that meets the unique practice risk needs of psychological practitioners, including:

  • Professional liability Insurance (PLI) and Commercial General Liability (CGL)
  • Business Professional Liability Insurance
  • Business Commercial General Liability
  • Contents/Crime/Business Interruption coverage
  • Business Package Insurance
  • Cyber Security & Privacy Liability
  • Employment Practices Liability
  • Legal Services Package
  • Personal Legal Solutions
  • Business Legal Solutions
  • And more

To learn more about the insurance products available to APNS members or to purchase coverage, please visit, or contact a BMS broker at 1-855-318-6038 or by email at For more information about your Insurance Broker, BMS, and Insurance Regulatory Principles of Conduct, please click here.

Please also see these new documents from BMS to answer your specific questions:

What Coverage Do I Need?

A Quick Guide to Deciding What Insurance is Recommended for Your Practice

Cyber Risk Mitigation Strategics

This document outlines what you need to know about cyber risk.

I was just served with a subpoena! What do I do?

Sponsored by BMS, the Canadian Psychological Association (CPA) and the Council of Professional Associations of Psychology (CPAP) wish to support student research and leadership/training/practice development in all areas of psychology:

BMS Scholarship: Student Research and Leadership Development

Opportunities for grad psychology students.