Welcome to HRPA Insurance Link
The HRPA membership is diverse; no one insurer could ever fulfill the unique needs of all members. Through HRPA Insurance Link, powered by PROLINK, all members now have access to choice in price points, solutions, and insurers!
On behalf of the HRPA, PROLINK has advocated for your personal and professional insurance needs with a network of over 30 insurers to ensure that you’ll benefit from superior protection at unparalleled rates. No matter where you’re coming from, or how complex your needs, we can guide you to the right coverage from the right insurer at the right price.
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.
What HRPA members are saying...
Protection for My Business and Professional Life
Browse our professional insurance solutions tailored to the needs of HR Professionals.
Professional Practice Liability
Independent HR Professionals know that the elements affecting the workplace environment are changing. And while you are change enablers—and know that change is good—it can also diversify your professional exposures. New legislative policies, technologies, increased demand for contract workers, and even the legalization of certain controlled substances represent a new source of risk while you perform your duties. So now what?
At PROLINK—Canada’s Insurance Connection, we want you to focus on helping your clients embrace change, not on the potential liability you face for performing your job. So, PROLINK has partnered with the HRPA to develop a Professional Practice Liability insurance program that addresses the specific risks faced by independent HR Professionals. Our policy will help defend you from allegations others make against you or your staff as they relate to negligence, omission of information, or other errors—whether the claim is real or exaggerated.
Our comprehensive and regulatory-compliant policy features:
- Teaching and seminar coverage;
- No-cost policy extension during maternity leave;
- A 12-month extended reporting period for death, disability, or cessation of practice;
- Cross-border coverage that includes Canada and the USA;
- Libel and Slander;
- Disciplinary Action Expenses and Defence Costs;
- Privacy Breach and Lost Document Expenses for physical documents;
- Occupational Health & Safety Act Expenses.
Commercial General Liability Insurance
As an independent HR Professional you probably believe that the risk of property damage or third party injury poses little threat in your line of work. After all, you don’t perform any physical labour. However, you do meet with clients on a regular basis. If at any point during one of your onsite or offsite meetings something as simple as a slip and fall occurred, you could be held liable.
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 type of 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 independent HR Professionals.
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.
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 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, on behalf of the HRPA, we’ve negotiated comprehensive coverage for your business property at unparalleled rates.
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.
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. As an independent HR Professional, you may even counsel clients on their employment practices. Though you work with integrity, not everyone in your company necessarily shares the same mindset.
Employment Practices Insurance will defend you and your staff from claims resulting from wrongful termination, discrimination, sexual harassment, disability and accommodations, employee privacy, and other similar employee issues.
Data Security & Privacy Breach Insurance
All businesses run the risk of experiencing a cyber/privacy breach at least once in their lifetime. It’s an arms race against fraudsters who are becoming increasingly more sophisticated with their techniques. As an independent HR Professional, you are a steward of private information. Your clients may have even asked you to sign a non-disclosure agreement before engaging in any type of contract.
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. Clients tend to be very forgiving of a privacy breach when it is well-handled by a business. That is, when clients are notified in a timely manner and a sincere apology is made.
However, to accomplish these things during the fall-out from a breach, you’ll need a team of professionals, provisions to keep your business running and funds for any potential damages. PROLINK can help you access all of these services with our Cyber/Privacy Breach Insurance.
Our valuable policy 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.
Group Health, Dental, Drug including Pharmacogenetics
Providing a strong Health, Dental and Drug plan is more than just a kindness you can offer to your employees. Healthy employees—the kind that can access treatments and take their prescribed medications on time—are typically more satisfied and more productive in their work, which in turn benefits the company. 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, too.
We know that most employers would love to offer benefits to their employees. But you may feel that you are not in a position to offer such luxuries. We can help.
At PROLINK—Canada’s Insurance Connection we believe that everybody deserves access to affordable healthcare. So, in partnership with your association, the HRPA, we can offer you customizable Health, Dental and Drug plans for you and your employees at unparalleled rates.
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.
Home & Auto Insurance
On any given day, someone could slam into your car during the morning commute, or your basement could flood causing thousands of dollars of damage. These—along with any number of other scenarios—have the potential to disrupt your life and bring you emotional distress and financial strain.
At PROLINK—Canada’s Insurance Connection it’s our job to worry about which coverages you need and which risks you face so that you don’t have to. With over 30 years of experience and access to over 30 insurers, we can offer you a choice of insurance solutions, price points, and other benefits. Wherever you’re coming from, and whatever you need—we’ve been there and done that. You can depend on us for the protection you require.
Plus, as a member of the HRPA, you can save up to 20% on your Home and Auto Insurance!GET A HOME & AUTO QUOTE
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.GET A HEALTH & DENTAL QUOTE
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 1 833 INS LINK. 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.