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APA-Alberta Paramedic Association Insurance Program

PROLINK > Associations > Healthcare Practitioners & Life Sciences Professionals > APA-Alberta Paramedic Association Insurance Program

Welcome to the APA Insurance Program from PROLINK

PROLINK-Canada’s Insurance Connection has partnered with the Alberta Paramedic Association to develop a comprehensive suite of insurance products specifically for members. The required Professional Liability as set forth by the Alberta College of Paramedics is automatically included in your Alberta Paramedic Association membership.

PROFESSIONAL
INSURANCE

HOME & AUTO
INSURANCE

LIFE & HEALTH
INSURANCE

FREQUENTLY ASKED
QUESTIONS

CONTACT
US

PROFESSIONAL INSURANCE

HOME & AUTO INSURANCE

LIFE & HEALTH INSURANCE

FAQ

CONTACT US

PROFESSIONAL INSURANCE FOR APA MEMBERS

Please note: you can only purchase professional insurance through the APA website. Please reach out directly to the APA with any quote or renewal requests. However, if you have coverage questions or concerns about your policy, or want to inquire about the Additional Business Insurance listed below, please contact PROLINK.

PROFESSIONAL LIABILITY INSURANCE (E&O)

What is it?
Professional Liability Insurance protects you (and your business) from any allegations of errors, omissions, or negligence committed within the scope of your professional activities. It’ll cover your damages—legal expenses, administrative costs, and court settlements—EVEN if the claims made against you are groundless.

Why do we recommend it?

Given the sensitive and unpredictable nature of your profession, mistakes can easily happen, especially in a situation where speed and efficiency can make the difference in saving someone’s life. Whether you’re at fault or not, working in such a high stakes environment means that you could be susceptible to a potential lawsuit.

We can help. PROLINK has partnered with the Alberta Paramedic Association to protect you from the specific risks you face as a paramedic. Our Professional Liability Insurance program is included with the cost of your APA membership, meets all regulatory requirements set out by the HPA and the Alberta Paramedics College, and will protect you in the event of a claim alleging negligence, errors, omissions, or malpractice.

Policy highlights include:

  • Funds for defence costs if you are accused of abuse and found not guilty;
  • Legal defence costs for any complaints filed against you to the College of Paramedics;
  • Provisions in the event of a breach of confidentiality;
  • And more!

To obtain a membership with APA, please visit the APA website.

ADDITIONAL BUSINESS INSURANCE

Through PROLINK, you can also secure additional coverage for any other businesses you may operate outside of the scope of your paramedic activities. We generally recommend the following coverages for full business protection:

  • Professional Liability Insurance: Protects you (and your business) from any allegations of errors, omissions, or negligence committed within the scope of your professional activities. It’ll cover your damages—legal expenses, administrative costs, and court settlements—EVEN if the claims made against you are groundless.
  • Commercial General Liability Insurance (CGL): Protects your business from third-party claims of bodily injury, property damage, and reputational harm caused by your professional activities or company operations.
  • Property Insurance: Protects your commercial property from damage or loss and will cover the costs of repairs or replacement for contents, equipment, and furnishings.
  • Data Security & Privacy Breach Insurance: Protects your business and offsets your losses in the event of a breach, such as when your company’s information is stolen or exposed by a hacker, or accidentally released by an employee.

How can you access this insurance?

To inquire about coverage for a business that is outside the scope of your paramedic activities, please contact PROLINK today.

FREQUENTLY ASKED QUESTIONS

PROFESSIONAL INSURANCE

What does Professional Liability Insurance cover?

In general, Professional Liability Insurance covers you against allegations brought by a third party (e.g. a client) seeking damages resulting from a negligent or wrongful act, error, or omission arising from your profession and within your scope of practice. 

I’ve purchased a membership through the Alberta Paramedics Association. Do I need to do anything else to obtain the Professional Liability Insurance?

No. Your Professional Liability Insurance is included in your APA membership.

Does the Professional Liability Insurance through APA meet the requirements as set forth by the Health Professions Act (HPA) and the Alberta College of Paramedics?

Yes.

Who handles the administration of the insurance program?

The Alberta Paramedic Association head office handles the administration of the Professional Insurance program. They can be reached at info@albertaparamedics.ca

Please note: you can only purchase professional insurance through the APA website. Please reach out directly to the APA with any quote or renewal requests. However, if you have coverage questions or concerns about your policy, please contact PROLINK.

Who do I contact if I have a question on coverages or want to make a claim?

Please contact PROLINK 1-800-663-6828 or APA@prolink.insure

Is there a common expiry date for the Insurance?

Coverage is available from the date of purchase and expires on January 1.

The Professional Liability Protection starts at $5,000,000 in coverage. What will $5,000,000 pay for?

We’ve all heard media reports of medical professionals or organizations being sued for damages to a victimized third party. But damages are typically only one part of the claim that would be paid out by an insurance policy. The majority of your claims payout will go towards the legal fees and expenses required to mount a defence. Plus, even if damages aren’t awarded to a victim, lawyers will still need compensation. Currently, the average fee for a lawyer specializing in medical malpractice insurance in Canada is $500-$700 per hour. Fortunately, your policy’s liability limit will pay for all reasonable and necessary costs, charges, fees, and expenses incurred over the course of an investigation, negotiation, arbitration, and defence of any covered claim.

What do I do if I receive a statement of claim?

Once you are aware of an actual or potential claim, report it to PROLINK immediately. Please refrain from making written or oral statements, and do not offer to compensate or admit liability. Taking such actions could interfere in the insurer’s ability to manage the claim.

Click here to see how you can file an insurance claim in 5 steps or less.

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What happens if I change jobs, work for more than one employer, volunteer elsewhere?

As long as you are a member of APA and working in Canada, this coverage will cover you in all of these situations for your Paramedic services.

Am I covered if a patient accuses me of abuse?

Criminal acts such as molestation, harassment, corporal punishment, assault or battery, or any form of sexual or physical abuse are not covered under this Professional Liability Protection policy. If however, you are successfully acquitted, received a “not guilty” verdict or the charges are withdrawn, this policy will reimburse you up to $50,000 for legal expenses incurred to defend you.

What if I want to purchase separate insurance for any side business I operate?

Please contact PROLINK directly so that we can help you secure the appropriate coverage for your business.

What is the policy territory (Alberta Paramedic Policy Territory)?

Under the Alberta Paramedics Association Insurance Program, the policy territory is Canada wide (and its territories); however, the policy only covers the insured while practicing under their Alberta College of paramedics practice permit as issued by the College.

If you have a practice permit from another province and/or territory, we recommend that you contact them directly to determine their requirements and ensure compliance. While the APA is primarily for Alberta Paramedics, there are some scenarios where paramedics who reside outside the province may register with the Alberta College of Paramedics, purchase liability insurance with the Alberta Paramedic Association, and practice within Alberta‘s borders. Please reach out to the APA for further clarification.

HOME & AUTO INSURANCE

APA MEMBERS SAVE UP TO 15%

With PROLINK, you’ll find a solution that fits your needs, your lifestyle, and your budget. Plus, you can access:

Even Better Coverage:

PROLINK represents a wide network of over 30 insurers, so we can offer you a range of solutions and price points. We’ll look at all of the available options and leverage our existing partnerships to demand the best-fit coverage for your needs.

Even Better Advice:

Our team will take the time to understand your unique circumstances, explain your coverage options, and offer genuine, personalized advice to help you manage your exposures.

Even Better Rates:

Our dedicated team of advisors will regularly monitor your account so you don’t have to. If we see your premium going up over time, we’ll proactively search for a better fit to get you the coverage you need and the savings you deserve.

Even Better Service:

Count on PROLINK for any policy changes, proof of insurance requirements, and guidance through the claims process. We will advocate for your needs and answer any questions you have so that you can feel confident in your coverage.

See how much you can save on your Home & Auto Insurance!

GET A QUOTE

HOME & AUTO INSURANCE

APA MEMBERS SAVE UP TO 15%

With PROLINK, you’ll find a solution that fits your needs, your lifestyle, and your budget. Plus, you can access:

Even Better Coverage:

PROLINK represents a wide network of over 30 insurers, so we can offer you a range of solutions and price points. We’ll look at all of the available options and leverage our existing partnerships to demand the best-fit coverage for your needs.

Even Better Advice:

Our team will take the time to understand your unique circumstances, explain your coverage options, and offer genuine, personalized advice to help you manage your exposures.

Even Better Rates:

Our dedicated team of advisors will regularly monitor your account so you don’t have to. If we see your premium going up over time, we’ll proactively search for a better fit to get you the coverage you need and the savings you deserve.

Even Better Service:

Count on PROLINK for any policy changes, proof of insurance requirements, and guidance through the claims process. We will advocate for your needs and answer any questions you have so that you can feel confident in your coverage.

See how much you can save on your Home & Auto Insurance!

GET A QUOTE

Get Your Free Insurance Quote:

LIFE & HEALTH
QUOTE

DISABILITY
QUOTE

LIFE & HEALTH

PROLINK will take the time to listen, understand your lifestyle, and guide you to the best protection possible.

Health & Dental Insurance

Supplement your primary healthcare and access the care you need, when you need it with coverage for: extended health, dental, vision, medication, massage, chiropractic, physiotherapy, travel insurance, and more.

Disability Insurance

Protect your income if you’re unable to work because of a physical injury or ailment. It doesn’t matter if it’s a temporary or permanent disability; insurance will replace anywhere from 60-85% of your monthly earnings up to a specified time.

Critical Illness Insurance

Prepare for an unexpected illness or injury with a one-time, tax-free, lump sum. Once it’s paid, how you spend it is completely up to you, whether that’s on medicine, home accessibility, or even paying off part of your mortgage.

Life Insurance

Secure a simple, straightforward solution that will help you plan ahead while still guaranteeing protection for your loved ones. If there’s anyone relying on you for income—your children, spouse, ageing parents, or even a business partner—life insurance is worth it.

LIFE & HEALTH

PROLINK will take the time to listen, understand your lifestyle, and guide you to the best protection possible.

Health & Dental Insurance

Supplement your primary healthcare and access the care you need, when you need it with coverage for: extended health, dental, vision, medication, massage, chiropractic, physiotherapy, travel insurance, and more.

Disability Insurance

Protect your income if you’re unable to work because of a physical injury or ailment. It doesn’t matter if it’s a temporary or permanent disability; insurance will replace anywhere from 60-85% of your monthly earnings up to a specified time.

Critical Illness Insurance

Prepare for an unexpected illness or injury with a one-time, tax-free, lump sum. Once it’s paid, how you spend it is completely up to you, whether that’s on medicine, home accessibility, or even paying off part of your mortgage.

Life Insurance

Secure a simple, straightforward solution that will help you plan ahead while still guaranteeing protection for your loved ones. If there’s anyone relying on you for income—your children, spouse, ageing parents, or even a business partner—life insurance is worth it.

LIFE & HEALTH
QUOTE

DISABILITY
QUOTE

CARING CLAIMS

If you’re lucky, you might never have to make a claim against your insurance. But in the event that you do, PROLINK will respond with urgency, empathy, and compassion. Hover over the images below to see contact options.

MON-FRI, 8AM to 5PM

Monday to Friday, 8AM to 5PM

If you have a potential claim, and would like to speak to PROLINK, please contact us directly at 1 800 663 6828. No matter the time of day, be sure to have your policy number and key details of the incident on-hand, including dates, events, and all persons and entities involved.

AFTER HOURS, WEEKENDS, HOLIDAYS

After Hours, Weekends, Holidays

Connect with our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677, or contact your insurer directly and they’ll loop us in. To find your insurer’s claims department, simply open your policy wording.

If your claim is related to Professional Insurance, we strongly recommend that you wait to notify your PROLINK Account Manager during regular office hours.

MON-FRI, 8AM to 5PM

Monday to Friday, 8AM to 5PM

If you have a potential claim, and would like to speak to PROLINK, please contact us directly at 1 800 663 6828. No matter the time of day, be sure to have your policy number and key details of the incident on-hand, including dates, events, and all persons and entities involved.

AFTER HOURS, WEEKENDS, HOLIDAYS

After Hours, Weekends, Holidays

Connect with our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677, or contact your insurer directly and they’ll loop us in. To find your insurer’s claims department, simply open your policy wording.

If your claim is related to Professional Insurance, we strongly recommend that you wait to notify your PROLINK Account Manager during regular office hours.

WHAT OUR CLIENTS ARE SAYING

WHAT OUR CLIENTS ARE SAYING

RISK MANAGEMENT ADVICE

For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.

VISIT OUR BLOG

RISK MANAGEMENT ADVICE

For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.

VISIT OUR BLOG

GET IN TOUCH

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or send us an email below:

GET IN TOUCH

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or send us an email below:


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