Heart & Stroke Resuscitation Instructor Insurance Program

Available for accredited instructors of the Heart & Stroke Resuscitation Program.

Apply now

Are you a resuscitation instructor accredited by the Heart & Stroke Foundation of Canada?

Protect yourself against liability that may arise as you deliver courses under this program.

Coverage Highlights:

  • $2,000,000 Commercial General Liability
  • $1,000,000 Errors and Omissions/Professional Liability
  • Up to $25,000 to cover legal expenses for disciplinary action
  • Legal telephone helpline services
  • Penal Defence Reimbursement at $25,000 per member
  • Claims services available 24 hours a day, seven days a week

How to report a claim

Our dedicated claims team is available 24 hours a day, seven days a week, to assist you. Please report claims by emailing your notice to newclaims.ca@victorinsurance.com.

Please reach out to us at resuscitation.reanimation@cowangroup.ca or 1-866-912-6926 to speak with a member of the insurance team should you have any questions.

Claims examples

Commercial General Liability

  • A student tripped over a mannequin and is off work for six weeks
  • A recent cardiac arrest resulted in a death, and the healthcare provider who responded alleges they did not get proper training from you

Errors & Omissions

  • A busy class, with lots of interruptions, results in a section of the course being accidentally missed and students are complaining that you didn’t teach them the full course and want their money back
  • A nurse is seeking damages from being sent home from their job for not having a Heart & Stroke-issued proof of course completion, because an instructor did not submit course details in a timely way
Apply now

Frequently Asked Questions

Why do I need insurance?


Liability insurance protects your assets and reputation against allegations of negligence, bodily injury, property damage and errors and omissions resulting from your work.

How do I apply?

Can I use this insurance when I deliver training for another training agency?


No. This program is exclusively for accredited members in good standing with the Heart & Stroke Resuscitation Program.

Can I add additional insurance for my other training activities?



Can I buy this insurance for my training company?


This insurance program is restricted to individual trainers and registered businesses of sole proprietors delivering training accredited under Heart & Stroke’s Resuscitation Program.

What is the deductible?


$1,000 deductible applies under the Commercial General Liability coverage.

Can I use a waiver instead of purchasing insurance?


Waivers are limited in the protection they may provide. Liability insurance is the most effective way to protect against allegations by third parties.

Why does Heart & Stroke strongly recommend insurance?


Heart & Stroke is mindful of the risks instructors face when operating courses and are aware that, even with careful planning and the best intentions, sometimes the unexpected happens. Which is why they contacted Cowan to develop a solution for you.

Why partner with Cowan Insurance Group?

Expert Advice

Someone who specializes in personal insurance will call you directly. Our expert advice means you will speak to the right person the first time.

Custom Coverage

Custom coverage specifically built for you means that Cowan will take the time to learn about your insurance needs.

Our Promise

Cowan is Canadian owned and independent. Your satisfaction is the only outcome we accept. Our clients are at the heart of everything we do and we care about what you care about.