College of Applied Biologists and Association of Professional Biology
Protect your business in the lab and in the field with Professional Liability (E&O) Coverage
Insurance may not seem natural, but human errors and omissions certainly are. Even the most conscientious biologist can make a mistake — and mistakes that lead to lawsuits can be costly to you and your firm. Protect yourself with Professional Liability (E&O) insurance.
Our Professional Liability (E&O) insurance program for registered professional biologists provides protection against the cost of defending and settling liability claims arising from errors and omissions made by you or your employees while doing the typical work of a professional biologist.
When you take advantage of the Professional Liability (E&O) coverage, we can also offer you Commercial General Liability insurance — often a requirement in your business and always recommended — that includes $1 million in liability coverage for third party forest fire-fighting expenses. Your coverage can also be expanded to include Property Insurance and Pollution Liability. And your coverage can also be expanded to include Property Insurance.
Coverage Details & Exclusions
Here are some important details of the Association of Professional Biologists of British Columbia group insurance policy:
- Professional errors and omissions (E&O) liability coverage applies only to services that are usual and customary to the practice of a registered professional biologist. (The by-laws and/or regulations established by your association would set out what falls within these parameters.) If your practice goes beyond these services, please contact us for alternative coverage options for your liability insurance needs.
- Coverage is provided for the firm and its employees while conducting business for the firm.
- Commercial general liability coverage can only be purchased if E&O coverage is in place.
- Defence costs are provided in excess to your policy limit.
- A cessation of business endorsement applies to the E&O policy (it is not required for the commercial general liability policy).
- The commercial general liability policy includes $1 million in forest fire-fighting expense coverage.
Professional Liability/E&O Wordings May 2014 - May 2016
CGL Wordings May 2014 - May 2016
Professional Liability/E&O Wordings May 2016 - May 2019
CGL Wordings May 2016 - May 2019
Professional Liability/E&O Wordings May 2019 - May 2022
CGL Wordings May 2019 - May 2022
Exclusions apply to the policy, as they do on all insurance policies. We recommend that you read your policy thoroughly. Some of the exclusions in the professional liability policy that may be of interest to you are:
- Asbestos
- Delays
- Joint ventures
- Tunnels/bridges/dams
- Related entities
- Computer and information technology services, including software design, installation, sales or outsourcing
- Intellectual property infringement
- Boundary surveys/sub-surface condition surveys
- Certain pollution-related work
- Sub-contractors/sub-consultants
Evolve your protection with insurance tailored to biologists
Contact us to learn more about how your firm can benefit from our insurance program for registered professional biologists. We can also help you understand alternative approaches to meeting your liability insurance needs.