To all Hospital Professionals Division members:In April 2024, OPSEU/SEFPO
announced new professional and personal insurance plans and exclusive perks available to you through Arthur J. Gallagher Canada Limited.We understand that plans through our previous provider, RGI, expire on November 30 and that coverage with Gallagher was meant to begin on January 1, 2025. To ensure that you won’t have any gaps in your professional or personal insurance coverage, Gallagher will be
bridging your existing coverage at a flat rate of $25.Some members may have been told previously that you’d need to pay the full premium for November and December 2024. Please disregard this. Your coverage for these months will only cost $25.To be insured with Gallagher for December 2024,
send in your application by December 1st, 2024.To apply for insurance coverage with Gallagher and bridge your coverage until the end of 2024, please follow the following steps:
- Visit the Hospital Professionals Division Group Insurance page on Gallagher’s website, click “Apply Online” and enter your information.
- When you get to the quote stage, please enter the effective date as December 1st, 2024.
- Save your quote and don’t pay.
- Send an email to [email protected] indicating that you have completed the quote portion.
- One of Gallagher’s customer service representatives will override the insurance premium rate.
- When your application has been processed, a Gallagher customer service representative will send you a secure payment link.
- Follow the link and pay online.
There are thousands of OPSEU/SEFPO members needing to renew their insurance coverage, so please be patient – emails are addressed in chronological order.
As long as your email is received prior to December 1, 2024, Gallagher will process your application and bridge your coverage for December. Click here to submit your application for insurance coverageFor problems applying for insurance coverage or processing your payment, please contact Gallagher directly via email at
[email protected] or phone
1 (888) 336-7738.Frequently Asked Questions
The following information has been provided by Arthur J. Gallagher Canada Limited:
Q: “My current Professional Liability insurance policy expires prior to January 1, 2025. How can I make the switch without a gap in coverage?”
A: Berkley has recently approved the option for OPSEU/SEFPO members with insurance policies expiring in the months of November and December, which are outside the program, to purchase a short-term “bridge” policy.
For a flat premium of $25 + taxes, this “bridge” policy will assist members in coordinating their current policy with our January 1, 2025, program renewal date.If you would like to take advantage of this option, please proceed to apply through Gallagher’s insurance portal
here and obtain a quote but do not purchase the coverage. Then reach out to the Gallagher team and we will manually adjust the premium and send you the secure payment link to finalize the purchase the short-term policy. After purchase, a new policy certificate will be emailed to you instantly.When selecting a start date for this “bridge” policy
please ensure you use the date when your current policy expires as your new policy effective date. (For example, if your current policy certificate shows December 1, 2023, to December 1, 2024, use December 1, 2024, as your new start date with our program coverage).It is also critical that you purchase the 2024-2025 short-term coverage before purchasing the 2025-2026 full-term policy to maintain the correct order in the system!
Q: “I have already paid full price for my short-term policy to switch over to Gallagher. Can I get a refund for the difference between what I paid, and the $25 flat fee now being offered?”
A: Yes. Please allow us some time to get all refunds processed and we appreciate your patience while we work with the portal vendor to accommodate.
Q: “I am a pharmacist and have been told my coverage is not compliant with the Ontario College of Pharmacists by-laws requirement to carry an automatic 3-year Extended Reporting Period. What are my options?”
A: Gallagher was recently informed of the new Ontario College of Pharmacists by-laws requirement to carry an automatic 3-year Extended Reporting Period (ERP). As such, we are pleased to advise
that coverage now includes a three-year Extended Reporting Period at no additional costs to members of the Ontario College of Pharmacists only, bringing it into compliance with the updated by-laws. Upon purchasing insurance coverage through our program over these next few weeks, you will be sent a policy certificate that still shows the former 2-year ERP, while we update the documents in the portal.In the interim, should you require the written endorsement reflecting the changes, please email us
here.
| 2025-2026 Limits and Premiums |
| $1,000,000 Limit per Claim / $5,000,000 Aggregate | $50 annual premium + taxes |
| $2,000,000 Limit per Claim / $5,000,000 Aggregate | $55 annual premium + taxes |
| $5,000,000 Limit per Claim / $5,000,000 Aggregate | $85 annual premium + taxes |
**The premium is fully earned, and no refunds will be provided for any mid-term cancellations**
