LOGIN

COMPANY REGISTRATION

Insurance Requirements

With respect to liability insurance, you must provide one of the following when applying for a Certificate of Authorization (CofA):

  • A certificate of insurance as described below, or
  • Evidence that you are exempt from requiring the insurance-see Exceptions below

All CofA holders must have professional liability insurance that accords with section 16(2)(e) of The Engineering and Geoscientific Professions Act (the Act), specifically a policy with:

  • A policy limit for each single claim of at least $250,000
  • Either an aggregate policy limit for all claims of at least $500,000 per year or an automatic policy limit reinstatement feature
  • A deductible amount under the policy of a maximum of 10% of the single claim limit of the policy
  • Liability coverage for errors, omissions and negligent acts due arising out of professional practice. Note: this coverage is subject to exclusions, conditions and terms considered normal insurance industry practice
  • A provision that, if a party to the policy wants to cancel or amend the insurance policy such that it would conflict with the Act or Association By-laws, that party must first give the other party:
    • At least 45 days written notice, or
    • If premiums are not paid, 15 days written notice
  • The insurer must be licensed under The Insurance Act of Manitoba

Notice of Upcoming Changes for Sole Proprietors

At the 2024 Annual General Meeting, changes to By-law 18.2 were passed, making it a requirement for all professional members, temporary licensees, and specified scope of practice licensees (SSPL) who are practising individually ("sole proprietors"), to hold professional liability insurance. This change aims to better protect the public, clients, and practitioners.

Sole proprietors have until December 31, 2025, to comply with the new requirements and will need to annually declare their compliance during their membership renewal. See full news story for details.

Exceptions

A CofA holder does not need professional liability insurance if the professional practice would be in respect of the following hazards:

  • Aviation
  • Nuclear
  • Shipping

See the Practice Notes regarding Errors & Omissions Liability Insurance