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OAFM-Ontario Association for Family Mediation Insurance Program

Welcome to the OAFM Insurance Program from PROLINK

PROLINK offers comprehensive and cost-effective insurance coverage to address the unique personal and professional insurance needs of Mediators. Members of OAFM can benefit from superior protection at unparalleled rates.

PROFESSIONAL INSURANCE FOR OAFM MEMBERS

Browse our professional insurance solutions tailored to the needs of Mediators.

PROFESSIONAL LIABILITY (E&O) INSURANCE

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.

Why do we recommend it?
As a mediator, you’re an expert in conflict resolution and how to best navigate emotionally charged situations. In the heat of the moment when clients are at their most vulnerable, and sometimes volatile, you may be just as vulnerable to risk. Despite your best intentions, your advice or actions might be misinterpreted and you could face a lawsuit.

That’s why we’re offering a nuanced, industry-leading Professional Liability Insurance program with tailored and affordable solutions exclusively available to members of the Ontario Association for Family Mediation. 

Coverage highlights include:

  • Funds for defence costs if you are accused of abuse and found not guilty;
  • Provisions in the event of a breach of confidentiality;
  • And more!

 

COMMERCIAL GENERAL LIABILITY (CGL) INSURANCE

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?
Practicing independently gives you the freedom to work the way you want—your business, your clients, your time. But what about your risks? You could be liable for any number of reasons, especially if you:

  • Own, rent, or lease office space (a client could slip and fall on your property);
  • Own a small practice (the smaller the business, the harder the recovery);
  • Work from home (your homeowner’s policy might not cover you);
  • Use your personal car for business needs, like visiting clients or storing files (commercial vehicles aren’t usually covered under your auto insurance);
  • Visit clients at another office, a hospital, or even at their homes (what if you accidentally damage their property?);
  • Have employees (more staff, more room for error).

We can help. Sometimes prevention just isn’t enough; accidents happen. And when they do, you’ll be covered with a cost-effective, comprehensive Commercial General Liability Insurance program exclusive to OAFM members. PROLINK will protect you from third-party claims of bodily injury, property damage, medical payments, advertising injury liability, and tenant’s legal liability.

 

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 (e.g. a client) seeking damages resulting from a negligent or wrongful act, error, or omission arising from your profession and within your scope of practice. The policy will pay for your legal defence costs (e.g. lawyer fees, court costs, etc.) and any damages or settlements payable to a suing party. 

The Professional Liability Insurance 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.

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.

If you only provide virtual services, Commercial General Liability Insurance will protect you from claims arising from reputational damage, libel and slander, and false advertising.

When do I need to notify PROLINK with a 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 Insurance 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.

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.

What if I need to make a change to my policy between renewals?

Please contact us at OAFM@prolink.insure.

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 your Dedicated Advisor. 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 your Dedicated Advisor. 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:


    Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits


      Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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