Specialized educators

Insurance for members of the Association des Éducatrices et Éducateurs Spécialisés du Québec (AEESQ)

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Special education worker helping a child assemble Lego blocks at a table, illustrating intervention and professional liability insurance in Quebec.

An insurance partnership for AEESQ members

The Association des Éducatrices et Éducateurs Spécialisés du Québec (AEESQ) has entered into a partnership with La Turquoise, a property and casualty insurance brokerage firm. Members in good standing have access to a professional liability and general liability insurance program adapted to their practice.

The available coverage includes:

  • Your professional liability in specialized education
  • Your general liability
  • Your professional contents
  • Your cyber risks

Your AEESQ membership is the entry point to access this offering. A La Turquoise broker analyzes your file and guides you toward the coverage that matches your situation, whether you practise privately or as a self-employed worker.

This partnership also includes a group personal insurance program, available to you and your employees.

Discover available discounts

A collaboration between La Turquoise and the AEESQ

La Turquoise works with the AEESQ to support members in their insurance decisions. It takes into account the specific realities of specialized educators practising in Quebec.

Coverage to consider for your specialized education practice

See what the coverage includes
  • Professional liability: an error in judgment, a disputed recommendation or an omission in the course of your interventions can engage your liability. This coverage protects against claims arising from your professional practice.
  • General liability: damage caused to a third party in the course of your activities can lead to a claim. This coverage protects against bodily injury or property damage for which you may be held responsible.
  • Professional contents: the materials and equipment used in your practice represent real value. This coverage protects against losses or property damage occurring in the course of your activities.
  • Cyber risks: managing client files involves sensitive data. This coverage protects against certain consequences related to a breach of your digital information security.

What this partnership concretely changes for AEESQ members

Discover what this means for your practice
  • Your reality as a specialized educator is taken into account from the first conversations with a broker.
  • The situations discussed reflect what can happen in a private practice or self-employed work context.
  • The partnership framework helps determine what deserves to be assessed based on the nature of your interventions and your clientele.
  • Members who have employees have access to a group personal insurance program through this partnership

Save on your premium

Your La Turquoise broker helps you find the discounts that apply to your situation. Savings vary depending on your profile and your coverage. They allow you to reduce your premium simply.

Coverage to consider depending on your situation

Depending on the nature of your practice, other coverages may be relevant to evaluate. These coverages depend on your practice context and are worth assessing based on your specific circumstances.

Business interruption

A forced interruption of your activities can result in a loss of revenue. This coverage reimburses financial losses resulting from a halt or reduction in your practice following a loss.

  • A fire at your office prevents you from seeing clients for several weeks.
  • Major damage to your workspace requires a temporary relocation.
  • Additional expenses are incurred to maintain your activities in a replacement space. 

Equipment breakdown

Your computer, phone system and electronic equipment are essential tools for your practice. This coverage protects against sudden and accidental breakdown of this equipment, as well as directly resulting damages.

  • A power surge damages your computer and client file data.
  • Your communication system goes down unexpectedly.
  • Electronic equipment used in your interventions is accidentally destroyed. 

Directors’ and officers’ liability

Some specialized educators serve on the board of directors of a community organization or a non-profit organization (NPO). This coverage protects against financial damages caused to a third party arising from a decision made in the performance of that role.

  • An internal policy change causes harm to a beneficiary or partner.
  • An administrative decision is challenged and gives rise to a lawsuit.
  • An unfulfilled hiring commitment is the subject of a claim.

Your questions about insurance for specialized educators

AEESQ members often ask the same questions before taking out insurance. This section answers the most common ones.

Yes. Being a member in good standing of the Association des Éducatrices et Éducateurs Spécialisés du Québec (AEESQ) is a condition of eligibility. This condition applies at the time of enrolment and must be maintained for coverage to remain valid.

Proof of a diploma in specialized education is also required at the time of enrolment.

These two coverages protect against different situations. Professional liability applies to claims related to an error, omission or poor advice in the course of your interventions. For example, an intervention decision disputed by a client or their family.

General liability covers bodily injury or property damage caused to a third party in the course of your everyday activities. For example, a client who is injured in your workspace.

Both coverages address different risks and can be taken out together or separately depending on your situation.

The geographical scope of a policy depends on its specific conditions. Specialized educators work in various settings: at home, in schools, in community organizations or in private offices.

These different intervention settings can affect your coverage. Describing your intervention settings precisely at the time of enrolment ensures that the policy matches your actual practice.

An insurer designs and offers their own insurance products. A broker is an independent intermediary who does not represent any particular insurer. Their role is to analyze your situation and present you with the options available from different insurers.

In a specialized education practice, needs vary depending on the work context. This context can be self-employment, private practice with employees or interventions in multiple settings. These specifics influence the type of coverage to consider.

Yes, under certain conditions. Students who are AEESQ members may be eligible. However, they must practise under the direct supervision of a certified specialized educator.

This condition is documented in the enrolment form. If you are completing internships or supervised interventions, verify your eligibility before beginning your practical activities.

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