Frequently Asked Questions

Top Questions

Who is eligible to apply for coverage under this insurance program?

Any personal support worker in Ontario is eligible to apply.

What is Commercial General Liability Insurance?

Commercial general liability insurance is designed to protect you and your business from a loss if you are found legally liable for bodily injuries or property damage to a third party caused by the services you provide.

What is Sexual Wrongdoing Limited Liability coverage?

Sexual Wrongdoing Limited Liability coverage, also known as abuse coverage, does not protect the perpetrator. It covers other individuals and organizations for related acts, such as the alleged failure to supervise and/or report the perpetrator.

What factors should I consider when deciding how much coverage to buy?

You should objectively look at how much a liability or crime claim could potentially cost and choose your limits according to your coverage needs. Ask your licensed insurance broker for more information.

How do I receive my coverage documentation?

You will be sent your policy and other insurance documents via email as soon as your application is approved and your payment is processed.

What site am I visiting and how do I know my information is being collected by Marsh?

The domain name can be verified by looking at the address bar or by double-clicking on the padlock icon to view the certificate. You can verify the site you are visiting by looking at the address displayed in the address bar or by double-clicking on the padlock icon to view the site’s certificate.

How do I know that my information is securely transmitted over the Internet?

Marsh’s on-line applications use 128 bit encryption to ensure information is sent over the Internet safely. In Microsoft Internet Explorer or Firefox, a secure website is indicated by a closed padlock icon. Depending on your browser settings, you may receive a pop-up window when entering a secure web site. This is letting you know that the site is secure. If you receive this pop-up window, click “Yes” to accept and continue on the site.

More Questions

How can I pay for my insurance purchase?

You can pay for your coverage purchase securely online with either Visa or MasterCard.

How do I report a claim?

You will be sent your policy and other insurance documents via email as soon as your application is approved and your payment is processed.

If I terminate coverage, is my premium refundable?

No. Your yearly premium cannot be refunded if you decide you want to terminate coverage.

Who can I contact if I have additional questions?

You can contact your Marsh licensed insurance broker at or 1 888 711 7340.

How long will my policy be in force?

After you complete your purchase, your policy will be in force until the next occurrence of September 1 at 12:01 a.m. ET regardless of when you purchase coverage. All premiums are fully earned and non-refundable when the policy is issued.

*Plus a policy administration and payment processing fee and applicable taxes. $2,000,000 liability coverage available for $400/year. $5,000,000 limit option is available at additional cost.

Your insurance program coverages will be placed with a program administered by Marsh Canada Limited. Marsh Canada has engaged in a competitive marketing process to offer a competitive product. We have negotiated this Program on a group basis with the insurer but we have not acted as a broker for any individual participant. This Program may be for a term of several years and may not be negotiated annually.

Information on this website represents a synopsis of coverage and is provided as a reference only. The actual policy, including endorsements determines coverage. It contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions and requirements. Deductibles may apply. For exact terms, definitions, limitations, and exclusions, please speak with your licensed Marsh Canada Limited insurance broker, or refer to the policy wording.

This information is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. The information contained herein is based on sources we believe reliable, but we make no representation or warranty as to its accuracy. Marsh shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein. Any modelling, analytics, or projections are subject to inherent uncertainty, and the Marsh Analysis could be materially affected if any underlying assumptions, conditions, information, or factors are inaccurate or incomplete or should change. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.