MLPAO-Medical Laboratory Professionals’ Association of Ontario Insurance Program

MLPAO

Welcome to the MLPAO Insurance Program 

PROLINK has partnered with the Medical Laboratory Professionals' Association of Ontario to bring you tailored coverage for your professional and personal insurance. No matter where you're coming from, or how complex your needs, we can help you secure superior protection at unparalleled rates! 

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 needs of Ontario's Medical Laboratory Technologists and Technicians

  • Professional Liability Insurance

    As a Medical Laboratory Technologist or Technician, you’re aware that contamination, experimental errors, random errors or even human errors can happen at any time during sample processing or analysis. And that’s despite taking all of the proper precautions. Unfortunately, in your profession, a mistake can pose a great risk. That’s because a doctor’s treatment plan relies on your findings.

    At PROLINK—Canada’s Insurance Connection, we want you to be able to focus on your work, not on the professional exposure associated with performing your duties. After all, patient health is in question. So we’ve partnered with the MLPAO to develop a Professional Insurance Program, tailored to the unique risks you face as a Medical Laboratory Technologist or Technician that will help ensure you are protected, should something occur.

    Policy highlights include:

    • Professional Liability Coverage: defending you from allegations others make against your scope of practice, including actions that have been delegated to you by laboratories and medical practitioners. This policy also features:
      • Limits of liability of $2M per claim or $5M per policy period;
      • Coverage for actual and alleged defamation, as well as, copyright infringement on papers, journal submissions, seminars, speaking engagements, and training;
      • Protection for unintentional breach of confidentiality;
      • Worldwide coverage territory provided that the legal action is brought forward in Canada.
    • Free Legal Advice: providing on-call, pro-bono legal help from Dolden Wallace Folick LLP, the designated malpractice civil counsel and preferred disciplinary counsel for healthcare professional associations—nationwide.
    • Up to $100,000 of coverage per member per year for legal costs incurred in each of the following situations: Disciplinary Legal Expense; Expert Witness Expense; Coroner's Inquest Expense; Criminal Defence Reimbursement provided you are found not guilty and the legal action is brought forward in Canada.
    • Sexual Abuse Therapy and Counselling: making amends when an insured is found to be at fault. This policy provides a maximum fund of $50,000 for the therapy and counselling of a sexually abused patient.
    • Maternity Leave Extension: automatic no-cost extension of your Professional Liability policy, as long as you are a member in good standing of the MLPAO. You will not pay premiums until you start working again.

    Contact PROLINK to apply today!

    • FAQ

      • 1. 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.

      • 2. 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.

      • 3. How will I know if someone is claiming against me?

        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.

      • 4. 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.

      • 5. What is a retroactive date?

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

      • 6. 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.

      • 7. 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.

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.

    Contact us for your no-obligation quote today!

  • 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.

    To learn more, contact PROLINK today.

  • Life Insurance

    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.

    Contact PROLINK to evaluate your options today!

  • 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.

    Contact PROLINK to evaluate your options today!

  • 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.

    Contact PROLINK to learn more today!

  • Pet Insurance

    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.

    Contact PROLINK to learn more today!

Caring Claims

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.

After Hours
 
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.

Speak to a Representative Today

To speak to a professional who can guide you to the right coverage from the right insurer at the right price contact us below:

1-800-663-6828

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Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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