Frequently Asked Questions for Service Providers


Social Services Group Liability Program Coverage

SSGLP Eligibility

SSGLP Enrolment

SSGLP Claims



Social Services Group Liability Program Coverage

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What is the purpose of this program?

The purpose of Social Services Group Liability Program (“SSGLP”) is to provide general liability insurance to providers of approved social programs delivering services to third parties (“service provider”) on behalf of the ministries and government corporations who have signed on to participate in the program (“Province Authorities”).

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Why am I receiving this Insurance?

You have engaged to deliver services to a third party 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.

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Am I going to be charged anything for this Insurance coverage?

No, this is a blanket limit and cannot be increased on an individual basis. You can purchase excess coverage from the commercial insurance market if you choose to. The Province Authority will not bear the cost of any excess coverage.

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What does this insurance provide?

The SSGLP 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 them arise out of your or your approved subcontractors performance of the services as outlined in the written agreement.

It is important to note that SSGLP coverage only protects you for liability arising out your provision of services under your written agreement with a Province Authority. Other operations are not insured. You are also responsible for determining your need for and purchasing insurance for other exposures, such as your own property, business interruption, crime coverage, professional liability, directors and officers liability, and any other employment practices liability that may be required.

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Can the $2 million limit be increased?

No, this is a blanket limit and cannot be increased on an individual basis. You can purchase excess coverage from the commercial insurance market if you choose to. The Province Authority will not bear the cost of any excess coverage.

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Who is an insured under SSGLP policy?

Insureds include the service provider that is a party to the written agreement with the Province Authority, their employees and volunteers, their subcontractors, and subcontractors of those subcontractors but only when they are performing services described in the agreement with the Province Authority. Where applicable, any service provider or subcontractor who is an individual, the spouse of that individual is also an insured.

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Is coverage provided for activities that are not described in my agreement with the Province Authority?

No. It is important to note that SSGLP coverage only protects you for liability arising out the provision of services under your written agreement with a Province Authority. The coverage follows the term and the services performed within the scope of a specific written agreement. You will need to purchase your own insurance for activities that are unrelated to the services described in your written agreement and for those activities that are delivered outside the term of your written agreement.

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Is professional liability insurance included in this coverage?

No, there is no professional liability insurance coverage included in the SSGLP policy. If you render professional services or you oversee employees or volunteers who render professional services (e.g. nursing, counselling, social work) you need to purchase a professional liability policy. The Province Authority will not bear the cost of any additional insurance coverage.

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Is Directors’ and Officers’ liability insurance included in this coverage?

No, there is no Directors’ and Officers’ liability insurance coverage included in the SSGLP policy. If your organization has this exposure you need to purchase a Directors and Officers’ liability policy. The Province Authority will not bear the cost of any additional insurance coverage.

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Is employment practices liability insurance included in this coverage?

No, there is no employment practices liability insurance coverage included in the SSGLP policy. If you are an employer you likely have some exposure and you need to purchase an employment practices liability policy. The Province Authority will not bear the cost of any additional insurance coverage.

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Does this policy cover damage to buildings or contents that I own, rent, use or occupy?

No, this policy only provides third party liability coverage. You will need to purchase this coverage and the Province Authority will not bear the cost of such additional insurance.

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Will this policy pay for injuries I may sustain while delivering services?

No, this policy does not provide any worker’s compensation type coverage.

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What should I do if I have a question about my SSGLP coverage?

Only licensed insurance brokers should provide advice or interpret coverage for you. Contact the Social Services Group Liability Program Service Team at Aon with any questions you have about SSGLP coverage:

John Giesbrecht
Tel: 250.413.2232
Fax: 250.388.5164
email: SSGLP@aon.ca
Brenda Petersen
Tel: 250.413.2210
Fax: 250.388.5164
email: SSGLP@aon.ca

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Outside Victoria call toll-free (855) 913-2227


SSGLP Eligibility

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If I already have my own commercial general liability policy do I need SSGLP?

No, if you already have a commercial general liability policy that covers the services you are delivering on behalf of the Province Authority, you do not need and in fact are not eligible for SSGLP coverage.

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SSGLP Enrolment

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How will I know once a Province Authority has enrolled me for SSGLP coverage?

The Social Services Group Liability Program Service Team at Aon will mail or email you a cover letter, a certificate of insurance and a SSGLP policy wording .

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Is there any information about SSGLP that I can review while I’m waiting for my paperwork from Aon?

An SSGLP 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, www.ssglp.aon.ca. It provides an overview of the SSGLP coverage and contact information for Aon, the insurance broker.

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How do I know if a sub-contractor is approved?

SSGLP coverage automatically flows to any subcontractors, and subcontractors of those subcontractors but only when they are performing services described in the written agreement that you, as the primary service provider, have with the Province Authority. Subcontractors also must have entered into a written agreement to perform those services.

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SSGLP Claims

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What should I do in the event of a claim or potential claim?

For all claims questions you should contact the Social Services Group Liability Program Service Team at Aon as soon as possible:

John Giesbrecht
Tel: 250.413.2232
Fax: 250.388.5164
email: SSGLP@aon.ca
Brenda Petersen
Tel: 250.413.2210
Fax: 250.388.5164
email: SSGLP@aon.ca

Outside Victoria call toll-free (855) 913-2227


In the event of a claim should I hire my own legal defence?

No, the claim should first be reported to Aon.