As a PSW or HCA, you provide essential care to those in need. But how do you protect yourself and ensure professional credibility?
Being part of a professional association is a smart career decision.
Nurses and doctors have professional associations, so why not PSWs and HCAs?
CANSWA or OPSWA members provide PSWs and HCAs with resources, support, and incredible perks, including personal liability insurance. Becoming a member may help you land more clients and enhance your standing in the healthcare industry.
Professional associations for PSWs and HCAs exist to uphold industry standards, enhancing public confidence while giving its members a trust symbol to stand behind.
Members can access benefits like liability protection and career compliance tools, continuing education, and access to the association’s job board. Plus, you’ll be part of a vibrant community of people who share your motivation to help people in need and make the world a better place.
The Canadian Support Workers Association (CANSWA) is open to membership for all frontline healthcare workers across Canada (aside from nurses).
The Ontario Personal Support Workers Association (OPSWA) is the Ontario chapter of CANSWA, advocating for frontline workers who work and live in Ontario specifically.
Many Caregivers Think They’re Fully Protected—But Are They?
One of the biggest misconceptions among PSWs and HCAs is that their employer’s insurance fully covers them. This statement is NOT always true. If you work in a hospital or other facility, you are covered by insurance while you’re on the clock, you may not be covered.
If you have private clients or work for an agency, you must carry your own insurance. You can’t assume that you are covered or that nothing bad will happen. Here’s why.
1. Employer Insurance Protects the Company First
Hospitals and agencies carry liability insurance, but it’s designed to protect the company first—not necessarily the individual worker.
If a caregiver is named personally in a lawsuit, they may be required to cover their own legal fees and defence.
If you are an HCA or a PSW, you must understand that your employer’s insurance does not follow you. If you take private clients, work freelance, or provide care outside of your primary job, you are not protected.
Here’s an example. A PSW is accused of negligence while working for an agency. The agency’s legal team defends the company, but the worker must hire a lawyer at their own expense. As you might imagine, this could cost thousands of dollars. If the suit finds for the defendant, the PSW may also be on the hook for millions in liability.
What If You Help Someone Outside of Work and They Get Hurt?
Many caregivers help friends, neighbours, or family members outside of their official jobs. It’s part of their caring nature and who they are at the core. But what happens if someone falls, gets injured, or claims improper care?
Since this did not happen under an employer’s insurance policy, the worker is personally responsible for any medical costs, legal fees, or lawsuits that ensue.
For example, a PSW helps their elderly neighbour with a simple task, such as getting out of bed or walking to the kitchen. The neighbour falls and breaks their hip. Their family sues the caregiver for medical expenses. Since this was an informal arrangement, the caregiver has no insurance protection and must cover all costs out of pocket.
While fear of legal action should never stop you from helping someone in need, you can protect yourself. Membership in a professional association provides PSWs with the liability coverage and legal support they need on and off the job.
How Personal Liability Insurance Protects You
Here are a few ways that personal liability insurance protects PSWs and HCAs.
- Covers injuries. If someone falls or gets hurt while you’re assisting them, your insurance will handle all medical claims.
- Covers lawsuits. Your legal fees and settlements are covered if a client’s family sues.
- Provides peace of mind. Even if you’re just “helping out,” you won’t have to worry about unexpected financial risks.
Why Being Part of an Association is Essential for PSWs and HCAs
Aside from liability insurance coverage, there are plenty more reasons to join an association:
- Credibility and Professional Recognition
Clients, organizations, and platforms place trust in verified professionals with strong professional standing. Your membership shows commitment to ethical care and adherence to industry standards.
Some associations also maintain professional registries that validate and authenticate your status, providing you with solid references when needed.
- Liability Protection, Legal, and Compliance Support
Professional liability insurance protects PSWs and HCAs from legal and financial risks. Members have access to legal guidance and a professional advocacy program to provide support in case of disputes or incidents.
Compliance support ensures professionals meet the latest industry regulations, including certifications and required continuing education (CE) modules.
3. Exclusive Member Benefits: Insurance, Training, and Wellness Support
Members are automatically protected with a $2 million professional liability insurance policy against workplace risks and legal claims.
Members also received discounted training and certification, allowing healthcare workers to access continuing education at reduced costs.
Mental health and wellness support is also provided, with direct access to professional counselling, stress management, and career coaching tailored to frontline workers.
The Risks of Not Joining an Association
While it’s your choice to join an association or not, the pros far outweigh the cons. Lawsuits can happen, even if you did nothing wrong. A single accident could result in a financial disaster.
Many caregivers assume they’re covered when they’re not. Are you willing to take that risk?
Protect Your Career: Join a Professional Association Today
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