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Healthcare Practitioners Insurance Program

Welcome to the Healthcare Practitioners Insurance Program from PROLINK

PROLINK has provided professional and personal insurance solutions to healthcare and holistic practitioners for over 30 years! Here are a few of the modalities we serve: Doulas, Lactation Consultants, Homeopaths, Reiki, Baby-wearing Educators, Childbirth Educators, Child Restraint Instructors, Vocational Rehabilitation Professionals, and more. But if you don’t see your association or modality, don’t worry. We have insurance solutions for any healthcare, holistic, or therapeutic modality you can think of.

PROFESSIONAL INSURANCE FOR HEALTHCARE PRACTITIONERS

Access comprehensive protection that we designed to address the risks faced by Canadian Healthcare Practitioners.

PROFESSIONAL LIABILITY INSURANCE (E&O)

What is it?
Professional Liability Insurance 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.

Why do we recommend it?
Skill and experience aside, when health is in question, it can be hard to control for every possible risky outcome. And clients themselves can be fairly unpredictable, too. Unfortunately, these days, unhappy clients increasingly express their dissatisfaction by filing lawsuits or complaints with your College. 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. PROLINK has developed an insurance program that addresses the specific risks you face as a healthcare professional. 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;
  • And more!

COMMERCIAL GENERAL LIABILITY INSURANCE (CGL)

What is it?
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?
Whether it’s a client, a vendor, or supplier, any business that comes into contact with a third-party needs Commercial General Liability Insurance, especially if you or your employees:

  • Own, rent, or lease a commercial space that’s open to the public;
  • Have a home-based business where clients visit you;
  • Visit your client’s workspace or home, or conduct business anywhere else offsite; and 
  • Advertise or create marketing materials for your business.

Policy features include:

  • Covers incidents that occur on your premises, at a client’s home, hospital, or alternative facility;
  • Bodily Injury and Property Damage Liability;
  • Personal Injury and Advertising Injury Liability;
  • Medical Payments;
  • Tenants Legal Liability.

PROPERTY INSURANCE

What is it?
Property Contents Insurance protects your commercial property from damage or loss and will cover the costs of repairs or replacement for contents, equipment, and furnishings.

Why do we recommend it?
Property Insurance is critical if you have your own business, regardless of the location. Whether you work from home or out of a commercial office, your general liability or homeowner’s policies won’t reimburse you for any damage to your business assets following a break-in, fire, or other disaster.

DATA SECURITY & PRIVACY BREACH INSURANCE

What is it?
Data Security & Privacy Breach Insurance protects your business and offsets your losses in the event of a breach, such as when your company’s information is stolen or exposed by a hacker, or accidentally released by an employee.

Our valuable policy features include:

  • Legal coaching on how to handle the breach;
  • 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.

Why do we recommend it?

As a healthcare professional, you are a steward of private personal health information. Unfortunately, since health data is substantially more valuable than other kinds, healthcare professionals 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 subject to much stricter privacy regulations and fines—particularly if you are a part of a regulatory College. 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. On average, a privacy breach costs $429 for EACH lost health care record. If you have even 100 clients affected by a breach, that could easily amount to a minimum of $42,900 for privacy breach expenses.

EMPLOYMENT PRACTICES LIABILITY (EPL) INSURANCE

What is it?
Employment Practices Liability (EPL) Insurance protects your business from claims made against you by employees, such as wrongful termination, discrimination, harassment, and more.

Why do we recommend it?

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.

FREQUENTLY ASKED QUESTIONS

PROFESSIONAL INSURANCE

What does Professional Liability Insurance cover?

In general, Professional Liability Insurance 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.

Will the Professional Liability Insurance 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 Insurance 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.

When do I need to notify PROLINK with a potential claim?

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.

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

The Professional Liability Insurance policy offered is written on a “claims-made” basis.

Regardless of when a wrongful act takes place, this policy only applies to claims that are:

  • First made against the insured (i.e., you or your firm) during the term of the policy; AND,
  • Reported to the insurance company or PROLINK in writing during the policy period or within 30 days thereafter.

What is a retroactive date?

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

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 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.

Does the Healthcare Practitioners Insurance Program have a common renewal date?

Yes, all members must renew by November 1st each year.

What if I have to change something on my policy between renewals?

For any mid-term changes, please contact your account manager, at 1 800 663 6828 and ask for the Healthcare Practitioners Insurance Program or email at healthcare@prolink.insure.

Why is Commercial General Liability Insurance 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 Insurance will.

What does Commercial General Liability Insurance cover?

Commercial General Liability Insurance 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, Non-Owned Automobile Coverage, and more.

What do libel and slander refer to?

Libel and slander (also known as “personal injury”) can be encompassed under the umbrella term “defamation”. These are statements that damage a person or organization’s reputation resulting in emotional injury. Slander means any verbal defamatory statements. Libel refers to written defamatory statements. However, you are only covered if you unknowingly committed something that is considered libel or slander.

What is a non-owned automobile?

This refers to vehicles that are not owned by your company, but are being used for business purposes. For example, it provides protection if an employee must drive their own personal vehicle for business use. It covers bodily injury and property damage that is caused by such vehicles, because otherwise the employer can be held liable for employee-perpetrated accidents.

What does Employer's Liability cover?

It protects you (the employer) from losses arising from job-related injuries of employees.

What does Tenant's Legal Liability cover?

If you rent or lease a commercial property for your clinic and accidentally cause property damage, you could be held liable. Tenant’s Legal Liability will help defend you against legal actions and will provide you with funds to cover the damages.

Is my home office covered under my home insurance policy?

Not necessarily. You need to check your policy or request PROLINK‘s assistance to determine if adequate coverage is available.

Why is Cyber/Privacy Liability insurance important?

Every business runs the risk of experiencing a cyber/privacy breach at least once in their lifetime. Recently, sophisticated fraudsters have proven that even the most secure organizations are at risk, too. The prevalence of cyber-attacks is only expected to increase and businesses report massive financial losses as a result of managing the fall-out. While a good defence strategy can certainly help, it’s not a question of IF your company will experience a breach but when.

In Canada, privacy laws are ever-changing. And the process of navigating a breach is confusing and expensive. Damages are being awarded for not only sensitive information exposed, but for the resulting emotional injury as well. Finally, is every single one of your employees tech-savvy? Can they recognize a phish and stop scammers at the gate? The reality is that many breaches are caused by employee errors or mal-intent. And you need to be protected. Cyber/Privacy Liability insurance can help with that.

What does PROLINK’s Cyber/Privacy Liability offer?

  • Our Cyber/Privacy Liability policy will provide you with funding for Public Relations services to manage the reputational impact of the breach, as well as, provisions for credit monitoring and client notification fees if sensitive client information is exposed.
  • Additionally, you will be able to cover the legal defence fees in the case of a civil suit made against you, along with funds for court-awarded damages.
  • Finally, you will have access to a breach coach who will guide you through the entire process.

What is a breach coach?

A breach coach is a lawyer who specializes in guiding firms through a Cyber/Privacy breach. They are there to provide you with the advice you’ll need to make the process as simple as possible.

HOME & AUTO INSURANCE

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

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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