Canadian Society of
College of Vocational
Acupuncture Foundation of
Child Passenger Safety
Association of Canada
Childbirth and Postpartum
Association of Canada
Canadian Association of
THE DOULA TOOLBOX
Paramedic Association of Manitoba
Welcome to The Canadian Herbalist's Association of BC Insurance Program from PROLINK
PROLINK can help members of the Canadian Herbalist's Association of BC protect themselves with superior insurance coverage 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 herbalists.
Professional Liability Insurance
As a herbalist, you look after the well-being of your clients. It’s an incredibly rewarding career, and you are extremely skilled at your job. But skill and experience aside, when health is in question, it can be hard to account for every possible situation. And clients themselves can be fairly unpredictable, too. Unfortunately, these days, unhappy clients increasingly express their dissatisfaction by filing lawsuits or complaints. So, while you focus on protecting your client’s best interests, you also need to make sure that you protect yourself in the process.
We can help. In partnership with CHA of BC, PROLINK has developed an insurance program that addresses the specific risks you face as a herbalist. Our comprehensive and regulatory-compliant Professional Liability Insurance program will defend you from claims others make against you or your practice within the scope of your professional activities.
Policy highlights include:
- Limits from $1,000,000 per claim with a limit of $6,000,000 per policy period (higher limits available);
- Duty to defend actual or alleged claims or lawsuits brought against you;
- Pays legal defence costs and compensatory damages if you are found liable;
- The deductible does not apply to defence costs.
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.
Policy features include:
- Limits from $1,000,000 per claim with a limit of $1,000,000 per policy period (higher limits available);
- Covers incidents that occur on your premises, at a client’s home, hospital, or alternative healthcare facility;
- Coverage for:
- Bodily Injury and Property Damage Liability;
- Personal Injury and Advertising Injury Liability;
- Medical Payments;
- Tenants Legal Liability.
Every business—including the simplest of home offices—owns stuff. And if any type of loss resulting from accidents, crime, or other circumstances were to occur, you likely wouldn’t be covered under any other type of insurance you currently carry. You may believe your small business doesn’t actually have enough value to warrant additional protection. But if for example your computer was damaged resulting in significant data loss, could you continue to run your business uninterrupted?
You need a broker who will take the time to carefully audit your office contents, making sure that all of your business property, equipment, software, and furnishings are protected. At PROLINK, we will explain all of your potential exposures to help ensure that you are adequately protected, should something occur. As an added benefit, we’ve negotiated comprehensive coverage for your business property at unparalleled rates.
- Protection for any:
- Inventory and supplies;
- Office furniture and fixtures;
- Computers and electronics.
- Shield your office from flood and sewer backup;
- Insure against any theft or physical losses;
- And more!
- Protection for any:
Privacy Breach Insurance
As a herbalist, you are a steward of private personal health information. Unfortunately, since health data is substantially more valuable than other kinds, herbalists are more targeted by cyber criminals than professionals in other industries. There is also the internal risk of employee snooping which is more prevalent than you would think.
You are also subject to much stricter privacy regulations and fines. So, if you or one of your employees were to lose a laptop, experience a network failure, or suffer from a hack that reveals client information—you could suddenly find yourself liable for thousands of dollars in damage. In fact, it takes on average $255 per record to notify a single client of a compromised file.
Clients tend to be very forgiving of a privacy breach when it is well-handled by a professional. That is, when clients are notified promptly, and a sincere apology is made. However, to accomplish these things during the fall-out from a breach, you’ll need a team of consultants, provisions to keep your business running and funds for any potential damages. PROLINK can help you access all of these services with our Privacy Breach Insurance.
Our valuable policy provides:
- Legal coaching on how to handle the breach;
- Coverage for business interruption costs while you get your business online;
- Legal fees in the case of a civil suit;
- Funds for court-awarded damages;
- PR services for managing reputational impact;
- Provisions for credit monitoring and client notification fees.
Employment Practices Liability Insurance
Today’s society can place a spotlight on business practices. People expect businesses to behave ethically. We become angry when we believe that they are abusing their power. And as a result, our legal system holds business owners to high expectations. In short, if you are in a position of power, you are expected to know better and do better—even if you aren’t directly involved in every single decision.
If you own your own business, you hold the responsibility of developing the guidelines for the recruitment and employment practices of your company, along with setting the workplace culture. Though you work with integrity, not everyone you employ in your practice necessarily shares the same mindset. Tensions can run high, and you need to be protected from allegations that can harm your business’s reputation as a fair employer. Employment Practices Liability can help.
Our policy will help defend you from claims resulting from:
- Discrimination (based on sex, race, age, disability and more);
- Wrongful termination;
- Employee privacy invasion;
- Failure to promote;
- 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.
Health & Dental Insurance
If you are an independent professional, you probably don’t have access to traditional employee benefits like Health, Dental, and Drug coverage. Yet, you’re still susceptible to the same health problems as anyone else.
Unfortunately, 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.
PROLINK can help. Our plans cover Health, Vision, Dental, and Drugs, and can get you access to 15 Paramedical services such as Massage, Chiropractic, Physiotherapy, and more. We will take the time to understand you, your needs, and your family, and offer you an affordable solution that fits your life, perfectly.
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.
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.