Welcome to the APCC Independent Consultants Insurance Program from PROLINK
As an Independent Consultant, you know that you can’t rely on your employer’s insurance to assist you when things go wrong. So, PROLINK—Canada’s Insurance Connection partnered with the APCC to develop an insurance program that addresses the unique risks you face. We can help protect you.
The Association of Professional Canadian Consultants (APCC) Professional Insurance Program is now expanding to welcome Virtual Assistants as a professional category.
At PROLINK, we can help you feel confident that you have the right protection.
We believe in personal relationships.
We value knowing you, and taking the time to understand your unique situations, so that we can provide you with genuine advice and follow-through. Our named, dedicated advisors will take a holistic view of your lives and explain all of your coverages and potential exposures, so that you can make educated decisions.
We have over 30 years of experience.
As a result, we’ve seen insurance from every perspective. Wherever you’re coming from, and whatever you need, we’re your one-stop-insurance-shop. You can depend on us for the protection you require.
We represent a network of insurers.
We know their strengths, their weaknesses, how they’ll assess you as a risk, and how they’ll treat you in the event of a claim. Plus, as one of Canada’s largest national brokerages, we have the buying power and influence required to advocate for you and your needs with the various insurers.
We work for you, not the insurer.
As an independent insurance brokerage, we are not obligated to sell you on a particular insurer. Instead, we’ll evaluate the available offerings and the discounts you are eligible for, to bring you solutions to best fit your life.
Protection for My Business and Professional Life
Browse our professional insurance solutions tailored to the needs of Independent Contractors working in IT or Management Consulting, now expanded to include Virtual Assistants.
Professional Liability Insurance
Your clients seek your guidance when it’s time to think outside the box because you bring specialized expertise to the table. But when it comes to clients and advice, what you intended to communicate may not always be the same as what is understood by the client. You can’t control for every single risky outcome that could, in turn, leave you exposed. There are simply too many external factors involved.
We can help. In partnership with the APCC, PROLINK has developed an insurance program that addresses the specific risks you face as an independent IT or Management Consultant or Virtual Assistant. Our comprehensive Professional Liability Insurance program will defend you from claims others make against you within the scope of your professional activities.
Through our program, you can:
- Protect yourself from actual or alleged claims made against you;
- Pay legal defence costs and compensatory damages if you are found liable;
- Maintain your flexibility by not tying you to a single firm or contract;
- Access unparallelled rates!
Commercial General Liability Insurance
Commercial General Liability Insurance protects you in the case of claims made as a result of third party injuries or property damage. You may think that you’re not at risk. But you meet with clients on a regular basis. Something as simple as a slip and fall associated with your business could leave you liable for damages of a sum that would surprise you—even if you’re not at fault.
This situation is so common that most venues, government parties, landlords, and corporations require that you have this type of coverage in place before you engage in any contract. Additionally, if you run your business from home, you could be at risk. For example, if a delivery man trips while delivering a work-related package, your typical home owner’s policy may not cover it. Commercial General Liability will.
- Covers incidents that occur on your premises, at a client’s premsises, or other location related to your professional activities;
- Coverage for:
- Bodily Injury and Property Damage Liability;
- Personal Injury and Advertising Injury Liability;
- Medical Payments;
- Tenants Legal Liability.
- And more!
Protection for Me and My Personal Life
Your life is complicated. Selecting your insurance doesn’t have to be. Learn how we can help make your life simpler.
Home & Auto Insurance
On any given day, someone could slam into your car during the morning commute, or your basement could flood causing thousands of dollars of damage. These—along with any number of other scenarios—have the potential to disrupt your life and bring you emotional distress and financial strain.
At PROLINK—Canada’s Insurance Connection it’s our job to worry about which coverages you need and which risks you face so that you don’t have to. With over 30 years of experience and access to over 30 insurers, we can offer you a choice of insurance solutions, price points, and other benefits. Wherever you’re coming from, and whatever you need—we’ve been there and done that. You can depend on us for the protection you require.
Plus, as a member of the APCC, you can receive up to 20% off your Home and Auto Insurance!
Health & Dental Insurance
As an independent professional, you probably don’t have access to traditional employee benefits like Health, Dental, and Drug coverage. And yet, you’re still susceptible to the same health problems as anyone else.
Expensive treatments, prescriptions, and high-cost dental work always seem to pop up when you’re least expecting them. And when these unpredictable events occur, they also come with a serious potential to derail your budget. But it doesn’t have to be that way.
By purchasing your plan through PROLINK—Canada’s Insurance Connection, you’d be part of the pool of members not only across the APCC, but across all of the associations that we represent. That means access to lower rates.
Our plans cover Health, Vision, Dental, and Drugs, and can get you access to 15 Paramedical services such as Massage, Chiropractic, Physiotherapy, and more. Plus if you or a family member needs something like an expensive prescription or high cost dental work, the plan covers you through the pool.
Remember your last illness? Or your last injury? Remember the inconvenience? And how lousy you felt? With luck, you got better fast.
But what if the next illness or injury lasts for months? Or worse, what if you can’t work for years? Will you have enough money to pay your bills, cover your daily expenses, and support your loved ones? Even a week or two of avoiding bills is tough for most people.
We’ll worry about your financial recovery so you can worry about what’s most important: your physical recovery.GET A DISABILITY INSURANCE QUOTE
Most people don’t like to think about Life Insurance. That’s because it’s a complex coverage that only activates as a result of an insured’s death due to natural or accidental causes. It can be painful to imagine all that would come to pass in the event of one’s death—even for a split second. We can appreciate that.
But if something were to happen to you, could your family or loved ones recover financially without feeling a serious strain on their assets? A rich Life policy can help them get back on their feet, should something occur.
So pass the pain over to us. At PROLINK, we will take the time to understand you, your needs and your family. Then, we will offer you a best-fit solution for you and those you care about that is affordable and offers the long-term protection you and they will require.
Critical Illness Insurance
Medicine has allowed people to live both through and with serious illnesses at higher survival rates than in the past. However, such sicknesses often come with many direct and indirect costs. Certain drugs and treatments are not covered by typical health plans, while some of the latest healthcare innovations are only available in the US. Indirect costs can encompass anything from travel expenses to child care, and more. Unfortunately, most people don’t intuitively know to account for these things.
If you were to get seriously sick, Critical Illness coverage can provide you with a lump sum that you can leverage in whatever way best fits your needs. Once it’s been paid, there are no restrictions as to how you decide to spend it—whether that means hiring a nurse, making your home accessible, taking a vacation or even paying off a portion of your mortgage.
PROLINK can help you access the best that medicine has to offer by providing you with a customized Critical Illness policy that is cost-effective and will give you the long-term financial flexibility you will require.
Travel Medical Insurance
When you plan a trip, you determine the things to pack, the sights you’ll see, and the budget for food and activities. You probably don’t consider the things that can go wrong, the process for finding help, and the unforeseen medical bills.
And that’s normal. You work hard and deserve a worry-free vacation. Sadly, life doesn’t go on holiday. A health crisis can happen no matter where in the world you may be. To truly relax, you need to feel secure in knowing that you are protected if something were to happen to you or your loved ones during your time away.
At PROLINK—Canada’s Insurance Connection we can help you access comprehensive Medical Travel coverage for your trip. Plus beyond simply covering emergency medical costs, we can also help you add lost baggage and trip cancellation endorsements to your policy.
Be prepared for whatever happens, wherever it happens.
If you’re like most pet owners, your pet is your constant companion. So when your little companion unavoidably gets sick, it can be very distressing emotionally. We can all agree that it’s hard to see your once-lively pet refuse to eat or struggle up the stairs.
While the veterinarian can offer you hope to cure whatever’s ailing your pet, that cure often comes at a high cost. Many people either have to save up for a treatment, or put themselves in debt in order to afford these unexpected fees. Still, you want your pet to receive the best care available.
Purchasing PetSecure insurance through PROLINK can help take away the financial burden of getting your pet the care that they require in times of need. For a small monthly rate, you can receive up to thousands of dollars in coverage for your pet’s accidents, illnesses, and dental care.
Integris Pension Plan
Sometimes, stuff happens. In the event that you need to make a claim and the situation is urgent or an emergency, help is a phone call away!
Monday to Friday (8AM to 5PM)
Contact PROLINK directly at 1 800 663 6828. We will take your claim, confirm your policy and report it to your insurer.
Access our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677, or call your insurer directly and they will loop us in.
Please reach out to PROLINK if you ever feel unsure. We’re here for you.