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Commercial General Liability Insurance (CGL)

Each practicing midwife in BC is required to carry CGL insurance in addition to malpractice insurance coverage. 

CGL insurance is designed to protect midwives’ business from exposure from third-party injury or property damage arising from sources other than the provision of professional services. Midwives need to maintain a CGL policy to ensure these exposures are properly addressed.

Members may choose any provider they like, as long as their coverage meets the minimum requirements of:

  • 2,000,000 in commercial general liability
  • CGL coverage for all practice locations i.e. clinic, hospital, client home.

For details, please refer to the MABC Policy on CGL (PDF).

Registration Requirement

The MABC office must receive proof of CGL insurance prior to processing new registration applications and during membership renewal. 

Proof of CGL insurance in the form of a certificate of insurance must be provided at the time of membership renewal. The Certificate of Proof of CGL must include the items outlined in the Policy on CGL (PDF).

MABC's brokered Group CGL plan information

The MABC has brokered a CGL group policy available to its members that been reviewed by the Midwives Protection Program (MPP) and confirmed that it meets MPP’s requirements for CGL coverage.  While not required to utilize the group policy, midwives must ensure that CGL coverage is in place to meet the underwriting requirements of MPP. 

*November 2023 announcement* 

MABC Launches Enhanced Member Business Insurance Program & 2024 Renewal with BMS

MABC is pleased to announce that we have appointed BMS Canada Risk Services (BMS) as the broker for the MABC Business Insurance Program, effective as of January 1st, 2024.

  • BMS is one of the leading providers of liability insurance programs and was able to secure renewal terms for MABC members with some coverage improvements. This resulted in MABC appointing BMS, with their extended and specialized service offering.
  • BMS will be your contact point for the  to purchase coverage and for any coverage-related questions. For new applications, please email the completed FORM (PDF) to BMS at 
  • What Coverage Do I Need Guide (PDF) - BMS has prepared a quick guide to deciding what insurance is recommended for your practice. Note that the guide does not replace individualized broker advice so please speak with an insurance professional at BMS if you have questions about the most appropriate coverage for your specific practice circumstances.
  • Got questions? We have answers on our CGL Questions & Answers page.


BMS Canada Risk Services Ltd. MABC Business Insurance Program
825 Exhibition Way, Suite 209 Ottawa, ON K1S 5J3 
Toll Free: 1-855-318-6558 | Fax: 613-701-4234 | Email:  

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