Welcome to the IDIBC Insurance Program from PROLINK
PROLINK—Canada’s Insurance Connection has partnered with the Interior Designers Institute of British Columbia (IDIBC) to develop a comprehensive set of insurance programs to protect you from the unique risks you face. No matter where you’re coming from, or how complex your needs, you can trust PROLINK to 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.
Protection for My Business and Professional Life
Browse our professional insurance solutions, tailored to the unique needs of the Professional Interior Designers of British Columbia.
Professional Liability Insurance
As a Professional Interior Designer your job requires you to make decisions that have the potential to impact your clients’ budgets, schedules, and more. And when your clients are happy, it’s great for business. Unfortunately, clients can be fickle. Even if your project is on-time, to-budget, and executed as planned, they may see it otherwise.
A quick search will show that the allegations against professionals these days are endless and expensive. Once you’ve been named, things get costly—although you may not be at fault. You may believe that you can protect your personal assets against claims by simply incorporating your business. But incorporated business owners are corporate directors and can still be held responsible for sizeable expenses. To be truly protected, you need Professional Liability insurance.
At PROLINK—Canada’s Insurance Connection we want you to feel free to do your job without worrying about your professional exposures. So we’ve partnered with IDIBC to develop a customized insurance program that addresses the specific risks faced by Professional Interior Designers.
Our comprehensive and regulatory-compliant insurance program will:
- Protect against alleged claims or lawsuits brought against you;
- Pay legal defence costs and compensatory damages if you are found liable;
- Offers funds for expenses associated with data breaches, including client notification fees, potential damages, and more.
Commercial General Liability Insurance
Your business is complex and full of moving parts. And we can all appreciate the fact that accidents happen. Unfortunately, an ugly incident with a drill, a mishap with one of your many third party suppliers, or something as simple as a slip and fall, could leave you liable for damages of a sum that would surprise you.
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 BC’s Professional Interior Designers.
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;
- 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 may believe your 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, on behalf of IDIBC, we’ve negotiated comprehensive coverage for your business property 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.
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. And yet, you’re still susceptible to the same health problems as anyone else.
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.
By purchasing your plan through PROLINK—Canada’s Insurance Connection, you’d be part of the pool of members not only across the IDIBC, but across all of the associations that we represent. That means access to lower rates.
Our plans cover Health, Vision, Dental, and Drugs, and can get you access to 15 Paramedical services such as Massage, Chiropractic, Physiotherapy, and more. Plus if you or a family member needs something like an expensive prescription or high cost dental work, the plan covers you through the pool.
Most people don’t like to think about Life Insurance. That’s because it’s a complex coverage that only activates as a result of an insured’s death due to natural or accidental causes. 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.