Registered Psychiatric Nurses, Partnering with People
The RPNAS protects registered psychiatric nurses with malpractice liability insurance. Please click the links below for a summary of the insurance policy. See the bottom of the page for frequently asked questions.
If you are an Independent practitioner, you can see your own policy below. Note: You are required to annually renew your coverage using the document below for the insurance to take affect as an independent practice.
Professional malpractice liability insurance is designed to protect active practising members from claims which arise out of delivering their professional services.
In the case of the Registered Psychiatric Nurses Association of Saskatchewan, malpractice liability insurance is insurance against suits brought by third parties seeking compensation for injuries caused or aggravated by registered psychiatric nurses.
Members are required to maintain malpractice liability insurance as a condition of licensure and active practising membership.
The coverage includes an occurrence and aggregate limit. Up to a maximum of $2,000,000 per occurrence is allowed, subject to an annual aggregate of $2,000,000.
Encon Group Inc. is the policy carrier.
The statute of limitations is two years after injury for the presentation of a claim against the Association or individual member.
The annual cost for individual members participating in the malpractice liability insurance plan is low; only $7.00 per annum.
You can see a copy of the insurance policy here.
The insuring agreement makes the following provisions:
A copy of the policy can be found here.
Bodily injury, sickness or disease, including death at any time resulting therefrom, sustained by any employee of the insured while engaged in his duties as such (this clause primarily affects members engaged in independent practice);
Bodily injury, sickness or disease, including death at any time resulting therefrom, caused by the insured or any of his employees in the commission of any criminal act, illegal act or while under the influence of hypnotics, intoxicants or narcotics, unless the use of the same has been prescribed by a medical doctor or dentist. This inclusion shall not apply to tranquillizers in the manner and amount prescribed by a medical doctor or dentist.
Faulty functioning of equipment or machines, or contravention of instructions by the patient in the operation of any machine, apparatus or other device which is controlled by the patient.
When the insured is an employee of a hospital, nursing home or other employer and such employer has other insurance against a loss covered by this policy, your professional malpractice liability insurance shall be considered secondary and non-contributing insurance. Only after claims against the employer’s insurance have been exhausted shall the professional malpractice liability insurance be liable.
When the insured is self-employed then this professional malpratice liability insurance becomes primary coverage. RPNAS members who are in Private Practice or on contract for services must identify themselves as such to the Association so they can be listed as a member receiving primary coverage.
Therefore, if you are an employee, this professional malpractice insurance is secondary coverage. If you are self-employed, this professional malpractice liability insurance is primary.
The Association and insurer must be advised immediately of possible suits brought by third parties against the Association and/or a registered psychiatric nurse.