Welcome to the CRIC Member Company Insurance Program from PROLINK
PROLINK has partnered with the Canadian Research Insights Council to develop an insurance program that addresses the unique risks you face in the market, insights, and survey research industry. As a CRIC member company, you can take advantage of discounted rates on a comprehensive program of services designed to meet your needs.
Member Companies can expect to save 20% or more on standard market rates, exclusively through the CRIC Insurance Program.
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.
Learn about our commercial insurance solutions tailored to the needs of company's operating in the market, insights, and survey research industry.
Protection for My Business and Professional Life
Professional Liability Insurance
Your clients depend on your company's research insights to help them make critical decisions that will drive their strategic direction. In some ways, it has never been so easy to access mass amounts of consumer data. In other ways, it's never been so complicated. The public opinion is readily available. However, ever-changing technology, and more importantly, ever-changing legislation, are making it tricky to navigate which information the market, insights, and survey research industry can access and how.
We've recently seen internationally-renowned providers of consumer research placed under the harsh spotlight of the media and the law. Despite your due-diligence, the reality is that your environment is changing fast. In response to the environment, your clients are also setting difficult and onerous insurance requirements before agreeing to do business together. Though you recognize a need for protection, it can be difficult to determine which coverages you actually need.
We can help. PROLINK has developed an insurance program that addresses the specific risks you face as a member company of the Canadian Research Insights Council. Our comprehensive and regulatory-compliant Professional Liability Insurance will defend you from claims others make against you or your compnany's practice within the scope of your professional activities.
Commercial General Liability Insurance
Commercial General Liability (CGL) insurance protects you in the case of claims made as a result of third party injuries or property damage. It’s a crucial risk-management strategy for any business. Even clients and landlords are increasingly requesting independent professionals and business owners to have CGL in place before willingly engaging in any contract.
At PROLINK—Canada’s Insurance Connection we can help you protect yourself from such claims and meet client demands with our CGL policy, tailored to the unique needs of the market, insights, and survey research industry.
Highlights of the policy include:
- Coverage for third party injuries and property damage;
- Standard coverage for Tenant’s Legal Liability, Employer’s Liability, Voluntary Compensation and Non-Owned Automobile Coverage.
Owning and operating a business is not easy. Everything—from the furniture you select, to the people you employ—takes careful thought and deliberation. You need to protect your investment of time, money, and resources.
We can help. PROLINK will take the time to carefully audit your office contents, making sure that all of your business property, equipment, software, and furnishings are protected. As an added benefit, as a member of the CRIC, you can access comprehensive coverage for your business property at unparalleled rates.
Data Security and Privacy Breach Insurance
All businesses run the risk of experiencing a privacy breach at least once in their lifetime. It’s an arms race against fraudsters who are becoming increasingly more sophisticated with their techniques.
There is no doubt that the information you collect is sensitive in nature. When clients commission your help in collecting market, insights, and survey research, they will often provide you with documents that may outline their strategic imperatives and other confidential details. In fact, in most cases, your clients will even ask you to sign a non-disclosure agreement before engaging in any type of contract. Canada has also recently introduced very strict privacy regulations associated with large fines for privacy breaches.
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. It takes on average $265 per record to deal with one compromised client file alone. Then there are legal fees, damages, fines, and consultant fees to consider.
The good news is that 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 Data Security and Privacy Breach Insurance.
Our valuable policy for members of the Canadian Research Insights Council features:
- Legal coaching on how to handle the breach;
- 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.
Directors and Officers and Employment Practices Insurance
Today’s society can place a spotlight on corporate practices. As people, we expect corporations to behave ethically. We become angry when we believe that they are abusing their power. And as a result, our legal system holds directors and officers of corporations 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.
PROLINK has worked closely with the CRIC to design an insurance program that can protect you and the directors of your company from exposures resulting from any of the above scenarios. Our unique program, tailored to the needs of business owners and professionals in the research insight industry includes the following coverage options:
- Directors and Officers Insurance: protecting you and your finances in the event of arbitration, civil, or criminal proceedings; providing funds for monetary damages and demands from non-monetary relief from claims made against you or any director/officer of your company;
- Employment Practices Insurance: defending you and your staff from claims resulting from wrongful termination, discrimination, sexual harassment, disability and accommodations, employee privacy, and other similar employee issues.
Group Health and Dental Benefits
A strong Health, Dental and Drug plan is more than just a benefit. Healthy employees are typically more satisfied and more productive in their work. A strong benefits plan is also a great tool for recruitment. Top talent likes to know that their company cares about their personal well-being.
We can help. Through the CRIC, we can offer you fully customizable Health, Dental and Drug plans for you and your employees at competitive rates.
Plan features may include (but are not limited to):
- Extended healthcare;
- Dental coverage;
- Life insurance;
- Long term disability insurance;
- Employee assistance plan;
- Health spending accounts;
- And more!
Protection for Me and My Personal Life
Your life is complicated. But selecting your insurance doesn’t have to be. Read on to see how PROLINK can help make the route to your insurance solutions simple.
Home & Auto Insurance
Your home and your car aren’t just your prized possessions. They’re your most valuable assets. And as a working professional, you’ve probably invested a time of time and effort into making them perfect.
But trouble is always around the corner. Accidents can happen for any number of reasons—damage, loss, theft. No matter the cause, one thing’s certain: you’ll be out thousands of dollars in damages. A financial setback, no doubt, but it’ll sting a bit more if you’ve just added a bunch of renovations to your home or bought a brand-new car.
At PROLINK—Canada’s Insurance Connection, it’s our job to worry about your coverage and your risks so that you don’t have to. Our comprehensive Home & Auto Insurance policy won’t just get you the protection you need, but also the responsive, personalized service you deserve.
With over 30 years of experience and access to a network of insurers, we’ve seen it all. With PROLINK, you’ll have your pick of insurance solutions and added benefits at the right price point for you.
Plus, as an employee of a CRIC Member Company, you can save up to 18% on your Home and Auto Insurance!
Health & Dental Insurance
No colds or cavities? You might think it's okay to skip out on medical and dental coverage for the time being, but your health will always catch up with you. Treatments, prescriptions, and dental work are expensive and always seem to pop up when you’re least expecting them. And the costs can add up pretty quickly, especially if you end up with a serious illness, injury, or chronic condition that requires ongoing care.
Plus, taking advantage of your plan offerings and being proactive about your health now will help you prevent long-term conditions later on.
By purchasing your plan through PROLINK—Canada’s Insurance Connection, you’d become part of a member pool across not only PPPC, but across all of the associations that we represent. That means access to lower rates. Our comprehensive plan covers Health, Vision, Dental, and Drugs, and can get you access to Paramedical services such as Massage, Chiropractic, Physiotherapy, and more.
Life insurance. It’s the coverage you avoid thinking about—until there’s a major emergency or health scare that forces you to reconsider.
If something were to happen to you, who would provide for your family?
Your loved ones might never truly heal from the pain of losing you, but they can recover from the financial strain of the unexpected . A rich life policy can help them get back on their feet.
Don’t wait. Pass the pain over to us. At PROLINK, we’ll take the time to understand you, your risks, and your family. We’ll provide you with affordable, long-term protection you and those you care about will need.
Critical Illness Insurance
Modern medicine has allowed people to live with life-altering sickness at higher survival rates than ever before. But living with a critical illness can be costly. Most medications and treatments aren’t covered by a traditional drug plan. The latest healthcare breakthroughs are rarely available outside the U.S. On top of that, there are also travel expenses, childcare, and all the added indirect costs of having to live with a major health condition.
Critical Illness Insurance can help with that by providing you with a lump sum that you can leverage in whatever way best suits your needs. Once it’s been paid, how you spend it is completely up to you, whether that’s taking a vacation, hiring a nurse, making your home accessible, or even paying off part of your mortgage.
PROLINK can help you access the best that medicine has to offer by providing you with a customized and cost-effective Critical Illness policy for the long-term financial flexibility you need.
Travel Medical Insurance
Vacations usually go off without a hitch, but no matter how much you plan, the possibilities for trouble are endless. It might be tempting to skip out on vacation insurance to save a few dollars right now, but getting injured or sick overseas can be anything from a minor buzzkill to a crippling financial blow.
Think of travel insurance as a small investment with high value. It’s not the most exciting part of trip planning and it’s certainly an additional expense. But your peace of mind is priceless. Taking the time to set up protection in advance can save you the nightmare of unexpectedly forking out thousands of dollars abroad.
PROLINK—Canada’s Insurance Connection can offer you a comprehensive insurance plan that suits your travel needs. Beyond emergency medical costs, we can also help you with lost baggage and trip cancellations fees with a few endorsements to your policy.
With PROLINK you’ll be prepared for whatever happens, wherever it happens. We want you to travel with ease, comfort, and the confidence of knowing we’ve got you covered.
If you’re like most pet owners, your pet is your constant companion. So when your little companion inevitably falls ill, it can be stressful and even emotional at times. It’s hard to see your once-lively pet refuse to eat or struggle up the stairs.
While the veterinarian might be able to remedy whatever’s ailing your pet, that cure usually comes at a high cost, especially when you want your pet to receive the best care possible. Depending on the treatment, you might have to save up first—during which time your pet could get sicker—or put yourself in debt to afford all those unexpected fees.
Purchasing PetSecure insurance through PROLINK can help take away the financial burden of getting your pet the care they 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.