BCSLS-British Columbia Society of Laboratory Science Insurance Program

BCSLS

Welcome to the BCSLS Insurance Program from PROLINK 

PROLINK has partnered with the British Columbia Society of Laboratory Science to bring you tailored coverage for your professional needs. No matter where you're coming from, or how complex your needs, we can help you secure superior protection at unparalleled rates! 

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 British Columbia's Medical Lab Assistants.

  • Professional Liability Insurance

    As a Medical Lab Assistant, you’re aware that contamination, experimental errors, random errors or even human errors can happen at any time during sample processing or analysis. And that’s despite taking all of the proper precautions. Unfortunately, in your profession, a mistake can pose a great risk. That’s because a doctor’s treatment plan relies on your findings.

    At PROLINK—Canada’s Insurance Connection, we want you to be able to focus on your work, not on the professional exposure associated with performing your duties. After all, patient health is in question. So we’ve partnered with the BCSLS to develop a Professional Insurance Program, tailored to the unique risks you face as a Medical Lab Assistant that will help ensure you are protected, should something occur.

    Policy highlights include:

    • Professional Liability Coverage: defending you from allegations others make against your scope of practice, including actions that have been delegated to you by laboratories and medical practitioners. This policy also features:
      • Limits of liability of $2M per claim or $5M per policy period;
      • Coverage for actual and alleged defamation, as well as, copyright infringement on papers, journal submissions, seminars, speaking engagements, and training;
      • Protection for unintentional breach of confidentiality;
      • Worldwide coverage territory provided that the legal action is brought forward in Canada.
    • Free Legal Advice: providing on-call, pro-bono legal help from Dolden Wallace Folick LLP, the designated malpractice civil counsel and preferred disciplinary counsel for healthcare professional associations—nationwide.
    • Up to $100,000 of coverage per member per year for legal costs incurred in each of the following situations: Disciplinary Legal Expense; Expert Witness Expense; Coroner's Inquest Expense; Criminal Defence Reimbursement provided you are found not guilty and the legal action is brought forward in Canada.
    • Sexual Abuse Therapy and Counselling: making amends when an insured is found to be at fault. This policy provides a maximum fund of $50,000 for the therapy and counselling of a sexually abused patient.
    • Maternity Leave Extension: automatic no-cost extension of your Professional Liability policy, as long as you are a member in good standing of the BCSLS. You will not pay premiums until you start working again.

    Contact PROLINK to apply today!

    • FAQ

      • 1. What does Professional Liability insurance cover?

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

      • 2. Will the Professional Liability policy protect me if I am charged with a criminal offence?

        The policy will reimburse you for the legal defence costs incurred in a criminal action related to their services if the criminal charges are dropped or if you are found not guilty for the offence.

      • 3. How will I know if someone is claiming against me?

        You will know if you are served with a statement of claim. However, there are other circumstances where you should also contact PROLINK because it could constitute a claim under your Professional Liability policy.

        The other circumstances include:

        • A client or their lawyer issues a verbal or written demand for damages (i.e., a letter or email is sent to you);

        • A client or their lawyer makes threatening comments verbally or in writing indicating that they are seeking damages and/or may sue you.

        • You made a mistake in how you rendered your professional services and may have caused harm to a client.

      • 4. The Professional Liability policy is a “claims-made” policy. What does "claims-made" mean?

        "Claims-made" requires you to have a policy in effect when a claim is reported (made). Any claims are covered under the policy that is in force at the time and NOT the policy in force when the occurrence took place.

      • 5. What is a retroactive date?

        Retroactive Date: any claims that arise from incidents that occurred before this date are excluded from your policy.

      • 6. Do I need any other type of insurance if I own or rent an office location?

        Yes, you should purchase Commercial General Liability insurance. The Professional Practice Liability policy will not defend bodily injury or property damage claims brought against you related to your premises. You should also consider Property Insurance to protect your office contents.

      • 7. 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.

Caring Claims

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.

After Hours
 
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.

Speak to a Representative Today

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

1-800-663-6828


Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits


Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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