Marsh Canada Limited continues to be your appointed broker for the ADRIC Group Insurance Program. The program, underwritten by Trisura, effective July 1, 2020, has been specially designed and allows for ADRIC Full members in good standing to benefit from the power of group purchasing for their professional liability insurance needs with additional optional coverages also available for commercial liability, cyber liability, property, personal legal expense insurance and ID restoration services.
With professional liability issues continuing to be a key concern, some members have commented that access to this insurance program alone is worth the yearly cost of membership with ADRIC and its affiliates. ADRIC strongly encourages all Full members to be insured, and requires all designated members to be insured.
Please visit the Marsh website at marsh.ca/adr for a quote or contact your Marsh Canada licensed insurance broker at 1 888 711 9010 or errorsandomissions.insurance@marsh.com for more information.
The following have been applied for the 2020-2021 term:
- 20% discount for members who have ADRIC Chartered designation status;
- 5% discount for members who have ADRIC Qualified designation status;
- 10% discount for three years after completion of an ADRIC Accredited Ethics Course;
- Coverage is Worldwide; Additional premium for US Extension – this broadens the standard coverage territory to allow for a claim first made against the Named Insured in the U.S.A. (in addition to Canada);
- Removal of retroactive date subject to 2 years continuous cover under ADR program;
- Premium reduction of 5% on the Commercial General Liability portion of your coverage (subject to being claims free for 5 years);
- Please note that all discounts are subject to a maximum combined discount of 25%.
The insured definition includes:
- ADR Practitioner (services as defined below excluding Arbitrator)
- Arbitrator (including ADR Practitioner services as defined below)
Insured Services include:
- Negotiation
- Mediation
- Arbitration
- Group Facilitation
- Facilitation (2-party, not group)
- Conferencing
- Group Needs Assessment (GNA)
- Group Intervention (GI)
- Conflict Coaching
- Executive Coaching (not conflict coaching)
- Early Neutral Evaluation
- Executive Mini Trial
- Judicial Mini Trial
- Collaborative Law
- Parenting Coordination (Med/Arb)
- ADR Consultations
- Pre-ADR Process (assisting the parties to select an appropriate ADR process)
- Ombudsman
- Online ADR Services
- Judicial Dispute Resolution (JDR)
- Selection and Hiring of ADR Practitioners
- Training / Instruction / Coaching of ADR Practitioners and members
- Training / Instruction / Coaching in the workplace or family
- ADR Systems Design / Implementation and/or Management
- Workplace Investigations
- Restorative Practices /Restorative Justice Circles
- Circles
- Adjudication
Optional Coverages:
- Commercial General Liability (CGL)
- Personal Legal expense insurance is available for only $115.00 per year (plus applicable taxes). In addition unlimited telephone legal advice, LEI may help pay for lawyers’ fees, disbursements for expert witnesses, medical reports, and court costs, and adverse costs if you lose your case and a judge orders you to pay the other party’s legal fees. Remember that the need for legal expense insurance can arise from everyday occurrences such as dealing with drivers’ license issues, bodily injury, employment disputes, or CRA (Canada Revenue Agency) tax matters including audits.
- Cyber Coverage – to assist you in recovering from a cyber attack
- Identity Restoration Services – to recover from personal identity theft, responding appropriately if identity is stolen; prevention, education and awareness services, representation and management of restoring your good name
- See details below
PROFESSIONAL LIABILITY
Professional Liability insurance covers liability for damages arising from the rendering of or failure to render Alternative Dispute Resolution services. Only Full Members are eligible to apply under the ADRIC sponsored program. To apply, please clink on the link marsh.ca/adr
| Option 1 | Option 2 | Option 3 | Option 4 |
| $1,000,000 per claim limit
$2,000,000 aggregate limit $1,000 deductible |
$2,000,000 per claim limit
$4,000,000 aggregate limit $1,000 deductible |
$3,000,000 per claim limit
$6,000,000 aggregate limit $1,000 deductible |
$5,000,000 per claim limit
$5,000,000 aggregate limit $1,000 deductible |
| OR | OR | OR | OR |
| $1,000,000 per claim limit
$2,000,000 aggregate limit $500 deductible |
$2,000,000 per claim limit
$4,000,000 aggregate limit $500 deductible |
$3,000,000 per claim limit
$6,000,000 aggregate limit $500 deductible |
$5,000,000 per claim limit
$5,000,000 aggregate limit $500 deductible |
Also included in any of the options listed above, below are some extensions of coverage:
| COVERAGE | DEFINITION | SUB-LIMITS |
| Professional Conduct Legal Expense | Notice of complaint; investigative order; or disciplinary proceeding commenced by a Canadian professional corporation or association, as defined by federal, provincial or territorial
legislation which regulates the profession practiced by such Named Insured, against any Named Insured, to determine whether the Named Insured has contravened, or otherwise failed to meet the regulations, guidelines, standards, and/or code of conduct established by said Canadian regulatory body. |
$50,000 Limit on pay-on-behalf basis |
| Penal Offences / Criminal Proceedings Expenses | Action means a criminal proceeding commenced by the issuance of a notice of action, statement of claim, writ of
summons, complaint or similar proceeding against any Named Insured, provided such criminal proceeding is commenced within the territorial limits and jurisdiction of Canada. |
$50,000 Limit on a reimbursement basis, if fully successful |
CYBER LIABILITY
First Party Hacker Damage and Third Party Cyber Liability extension package options are available for $25,000 and $50,000 per claim and aggregate.
PROPERTY
Property Damage limited to $25,000 per claim
COMMERCIAL GENERAL LIABILITY
If you wish to complement your Professional Liability Insurance Policy with Commercial General Liability please see below. This covers liability for property damage and/or bodily injury arising out of your business operations.
| Option 1 | Option 2 | Option 3 | Option 4 | Option 5 |
| $1,000,000 per claim
$500,000 Tenants Legal Liability $1,000,000 Standard Non-Owned Auto Deductible $500 |
$2,000,000 per claim
$500,000 Tenants Legal Liability $1,000,000 Standard Non-Owned Auto Deductible $500 |
$3,000,000 per claim
$500,000 Tenants Legal Liability $1,000,000 Standard Non-Owned Auto Deductible $500 |
$2,000,000 per claim
$1,000,000 Tenants Legal Liability $2,000,000 Standard Non-Owned Auto Deductible $500 |
$3,000,000 per claim
$1,000,000 Tenants Legal Liability $2,000,000 Standard Non-Owned Auto Deductible $500 |
For further information, contact:
Theresa Mukoyi, Vice President (contact person for ADRIC members)
Email: errorsandomissions.insurance@marsh.com
Joanna Reid, Senior Vice President
Email: Joanna.reid@marsh.com
Clothilde Nyandwi, French Client Representative (francophone contact person for ADRIC members)
Email: clothilde.nyandwi@marsh.com
Marsh Canada Ltd.
120 Bremner Blvd.
Toronto, ON M5J 0A8
Tel: 416-349-6614| 1-888-711-7426 | Fax 416 815 3753
IMPORTANT NOTICE ON CLAIMS
The Professional Liability policy is a CLAIMS-MADE AND REPORTED policy which requires that all claims against you or incidents which arise that may result in a claim during the policy period be reported immediately to the Insurer before the expiration of the policy. It is prudent that you report claims or circumstances which may give rise to a claim to the Insurer to avoid denial of coverage.
Your Property and/or Commercial General Liability policy is written on an Occurrence based policy.
EXTENDED REPORTING (ERP) / Tail Coverage
Liability may not cease by virtue of retiring from the practice of ADR. As such, the policy contains a provision which allows members (in the instances of death, retirement or cessation of business) to purchase an Extended Reporting Period which provides coverage for activities conducted prior to the death, retirement or cessation of business.
Premium for the ERP coverage effective in the first year following death, retirement or cessation of business is 75% of the last annual premium paid.
This insurance covers you for claims made against you after you have stopped practicing. For more information please see: Extended Reporting Period (ERP) Options
The information on this page is only an overview of the Insurance program. The detailed terms, conditions and exclusions of coverage are set out in the Policy. The Terms and Conditions of coverage, as well as the cost of coverage, are subject to change or updating by the Insurance Company.
Corporate Members
