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Secondary Professional Liability Insurance
Your annual APEGA membership dues include automatic coverage in the national Secondary Professional Liability Insurance Program (SPLIP). SPLIP provides professional liability coverage for individual registrants, which provides protection for claims arising from their customary engineering or geoscience services in certain situations. SPLIP does not cover firms, corporations, public entities, or employers.
Please review the policy wording and FAQ for full details on the coverage afforded by the SPLIP.
Some examples of where the SPLIP is intended to provide protection are:
- You are an employee for a non-consulting firm and perform professional services in the course of that employment
- You were the employee of a consulting engineering firm, and you are sued for professional services you provided for your past employer, but they no longer purchase professional liability insurance
- You are retired and you are sued for professional services you performed prior to your retirement (additional restrictions apply if you were a “decision-maker” of a consulting engineering firm or a sole proprietor)
- You are providing professional services outside of your regular employment, as long as you are billing less than $15,000 per calendar year
- You incur legal expenses while reporting the professional misconduct of another member
- Your employment is terminated as a result of whistleblower activity
HUB Pro-Form Sinclair Professional provides this service as an Engineers Canada–negotiated benefit for APEGA.
This year Engineers Canada continued its partnership with AXA XL in the delivery of the Secondary Professional Liability Insurance program on behalf of participating regulators. The program benefits engineers and geoscientists by providing coverage in situations not covered by primary insurance, and it also assists engineers in maintaining public safety through features such as whistleblower coverage.
Below is a series of short animated videos and improved web content. These are intended to provide a concise, “plain-speak” overview of the Secondary Professional Liability Insurance program’s features and benefits.
Review the Secondary Professional Liability Insurance (SPLIP) FAQ document.
Contact HUB with any questions about your SPLIP coverage: 1-877-245-3820