The purpose of the CGLP is to provide our valued Caregivers of the children of British Columbia added protection by way of liability coverage. This coverage is provided to Caregivers at no cost through the enrollment of your agreement with either the Ministry of Children and Family Development or a Delegated Aboriginal Agency (called ‘Province Authorities’).
You have been engaged to deliver Caregiver services to a Child-in-Care under a written agreement with a participating Province Authority. The Province Authority has agreed to provide you with this general liability coverage in relation to the services described in your agreement with them.
No, all costs pertaining to this coverage have been paid for by the Province Authority.
The CGLP coverage provides $2,000,000 per occurrence of commercial general liability insurance, insuring against third party bodily injury, third party property damage, and personal and advertising injury, where any of these claims arise out of you, or your approved respite and/or relief Caregivers performance of Caregiver services as outlined in the written agreement.
It is important to note that CGLP coverage only protects you for liability arising out your provision of Caregiver services under your written agreement with a Province Authority. Other operations you may have are not insured. You are also responsible for determining your need for and purchasing insurance for other exposures, such as your own home insurance, property insurance, and automobile insurance.
A Caregiver is an adult person and their spouse, residents in the home over 30 days, respite and relief caregivers, and pre-adoptive parent(s) in the residency period.
No, this policy only provides third party liability coverage. You will need to access the Property Rider policy coverage for Foster Parents through Megson Fitzpatrick Insurance.
No, this policy does not provide any worker’s compensation type coverage.
Only licensed insurance brokers should provide advice or interpret coverage for you. Contact the Caregivers Group Liability Program Service Team at Aon with any questions you have about CGLP coverage:
The Caregivers Group Liability Program Service Team at Aon will mail or email you a cover letter, a certificate of insurance, and a CGLP policy wording once your enrollment has been confirmed.
An CGLP Brief Overview document is available from the Province Authority you are engaging with. Alternatively, you can also find this document posted on Aon’s website, caregivers.aon.ca. It provides an overview of the CGLP coverage and contact information for Aon, the insurance broker.
For all claims questions you should contact the Caregivers Group Liability Program Service Team at Aon as soon as possible:
No, the claim should first be reported to Aon.