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DC-Dietitians of Canada Insurance Program

Welcome to the Dietitians of Canada Insurance Program from PROLINK

We’ve partnered with the Dietitians of Canada to develop a comprehensive set of insurance programs to protect you from the unique risks you face. The Dietitians of Canada and PROLINK have advocated for your personal and professional insurance needs with a network of insurers, to ensure that you’ll benefit from superior protection at unparalleled rates.

PROFESSIONAL INSURANCE FOR DC MEMBERS

Access comprehensive protection that we designed through our partnerships with both insurers and DC to address the risks faced by Canadian Dietitians. Please note that these coverages are administered by Dietitians of Canada.

PROFESSIONAL INSURANCE FOR DIETITIANS

What is it?
Professional Liability Insurance (E&O) 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.

Why do we recommend it?

As a Dietitian, you help clients correct their food and nutrition practices to improve their well-being. Your work has made you aware that each client has a unique body, personality, and even understanding of the world. As a result, you must continuously adapt your approach to suit their individual needs. Still, despite all of your best intentions, unforeseen health complications can arise and your advice can easily be misconstrued, resulting in a demanding and dissatisfied client. Lately, such clients express their discontent by filing expensive lawsuits. You could find yourself personally liable. But we can help you avoid that.

PROLINK—Canada’s Insurance Connection has worked closely with the Dietitians of Canada to develop a Professional Insurance program that offers Dietitians comprehensive protection and meets and exceeds any regulatory requirements, should something occur.

Professional Liability Insurance Features:

  • Legal Expense Reimbursement: offers up to $50,000 for reimbursement for all reasonable legal expenses incurred if you must appear before any regulatory hearing in Canada. Receive up to $250 per day for any lost wages if you must attend pre-trial, trial, or appeals;
  • Criminal Defence Reimbursement: access up to $100,000 for criminal charges arising from malpractice charges provided you are found not guilty;
  • Cyber Security and Privacy Liability Extension: obtain $50,000 in coverage which includes protection for Network Security Liability, Privacy Liability, and Electronic Media Liability in the event of a Cyber Breach that compromises your business or client data;
  • Abused Patient Therapy & Counselling Coverage: limit of $10,000 per member with an all-member aggregate of $100,000;
  • Automatic no-cost policy extension for materntiy/paternity leave;
  • Unparalleled rates for DC Members!

Commercial General Liability Insurance Features:

  • Covers exposures resulting from third party injuries, property damage, invasion of privacy, wrongful entry, and humiliation and discrimination.
  • Additional Insured Endorsements can be added on request for ‘all government, municipalities, public institutions or hospitals in Canada’ with respect to their liability resulting from the insured member’s work.

To apply, you must be a member of DC in good standing. Please visit the DC website to learn more.

FREQUENTLY ASKED QUESTIONS

PROFESSIONAL INSURANCE

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. 

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.

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.

Who handles the administration of the insurance program?

The head office of Dietitians of Canada. They can be reached at 416 596 0857 or CentralInfo@dietitians.ca.

Will the Professional Liability policy protect me if a complaint is filed against me with my Regulatory Body?

The chance of having someone file a formal complaint against you is greater than the chance of being sued. There are different regulatory bodies in each province; however, this policy will provide access to lawyers who specialize in defending professionals being investigated by a regulatory body or authority due to a complaint.

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.

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.

What is a retroactive date?

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

Why is Commercial General Liability Important?

Unfortunately, you can be sued for any injuries or property damages that occur while working with clients—even if you’re not at fault. This situation is so common that most venues, government parties, 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 slips and falls delivering a work-related package, your typical home owner’s policy may not cover it. Commercial General Liability will.

What does CGL cover?

Commercial General Liability covers you in the case of third party injuries and property damage that occurs through your professional activities. It also provides you with insurance for Tenant’s Legal Liability, Employer’s Liability, Voluntary Compensation and Non-Owned Automobile coverage and more. 

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

The head office of Dietitians of Canada. They can be reached at 416 596 0857 or CentralInfo@dietitians.ca.

Is there coverage available if I have Corporation?

Yes, provided you are the only employee/consultant dietitian working under the Incorporated Entity. 

Can I add a Third Party to my Commercial General Liability coverages?

Yes, CGL Certificate requests for municipalities and government bodies (for additional insureds) are done at the DC head office. Please contact DC at CentralInfo@dietitians.ca. Note certificates required that are non-government or non-municipalities please contact DC@prolink.insure or 416-595-7484.

Is there a common expiry date for the insurance?

Coverage is available from the date of purchase and expires at the end of your membership period. 

HOME & AUTO INSURANCE

DC MEMBERS SAVE UP TO 20%

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!

HOME & AUTO INSURANCE

DC MEMBERS SAVE UP TO 20%

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 Your Free Insurance 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.

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.

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.

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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      Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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