OCHU-Ontario Council of Hospital Unions Insurance Program

Welcome to the OCHU/CUPE Insurance Program

PROLINK has partnered with OCHU/CUPE to deliver cost-effective and comprehensive coverage exclusively for RPNs and RNs who are members of OCHU/CUPE. Whether you are employed at an office or a hospital, or are an independent RN/RPN, we can help you protect yourself with superior insurance coverage at unparalleled rates! 

Please click here to apply online for Professional Liability Insurance Insurance. 

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 Registered Nurses and Registered Nurse Practitioners. Please click here to apply online for Professional Liability Insurance Insurance. 

  • Professional Liability Insurance

    As a Registered Nurse (RN) or Registered Practical Nurse (RPN), you expect the unexpected. But sometimes the unexpected happens to you. Even the best of clinicians make mistakes, especially in situations where speed and efficiency mean the difference in saving someone’s life. Working in such a stressful environment means that you could be susceptible to a potential lawsuit, whether you’re at fault or not. Even volunteering medical advice or assisting someone off duty can lead to allegations of malpractice. And your employer may not always cover you in their policy—they might even sue you to recover the money spent on legal defenses.

    We can help. PROLINK—Canada’s Insurance Connection has partnered with OCHU/CUPE to provide Professional Liability insurance exclusively for registered RNs and RPNs. Our customized insurance program is built to address the specific risks you face as a healthcare practitioner on the front lines of medicine and protect you in the event of claim. We’ll take care of you so you can take care of your patients.

    Our program features:

    • FREE telephone legal advice by calling the Trisura Legal Assistance Hotline at 1-866-945-5207. You can access this service from 8 AM until midnight, seven days a week. Have your policy number on hand when you call;
    • Professional Liability exceeds the requirements of Bill 179 and College of Nurses of Ontario;
    • Complete online solutions. Apply, pay and obtain your certificate of insurance in less than 5 minutes;
    • Coverage for RPN services rendered outside of your employment agreement with a hospital or long-term care facility;
    • Members do not have to pay fees to a separate Nursing Association in order to access competitive group insurance rates;
    • And more!

    Contact PROLINK to apply today!

    • FAQ

      • 1. I have not received the information package from CUPE and want to apply for the coverage. Who can I contact?

        Please contact PROLINK.

      • 2. What are the requirements to qualify for this program?

        You must be a Registered Nurse (RN) or Registered Practical Nurse (RPN) registered with the College of Nurses of Ontario, and be a CUPE Union Member.

      • 3. What is Professional Liability Insurance?

        As a regulated health care professional, relying on your employers insurance is risky. Should you be named in a lawsuit, your employer and yourself will be named in the lawsuit. Your employer’s liability policy is designed to protect your employer, not you. Benefits of maintaining your own policy, and not relying on your employer’s policy include:

      • 4. I am solely an employee. Would my employer’s insurance policy not protect 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 limit of insurance on your employer’s policy will be shared by you, your employer, or anyone else named in a suit. If the judgment against you is higher than your employer’s limit of insurance, you could be responsible for your share of the excess amount;

        • When you have your own policy, during a lawsuit, you will be assigned your own legal counsel and defence. You will not have to share legal resources with your employer’s lawyer;

        • You are most likely not aware if your employer is keeping their insurance up to date. If their policy is cancelled or lapsed you will not have coverage for yourself;

        • If your employer decided that you acted outside the scope of your agreement their policy may not protect you;

        • Your employer’s policy will not defend you when a member of the public makes a complaint to your regulatory body or if you are charge criminally. Anyone can make a complaint about you to your regulatory body at no cost to themselves. This insurance policy will pay up to $25,000 in legal fees in the event of a complaint to your regulatory body.

      • 5. What happens if I change jobs, work for more than one employer, volunteer elsewhere or work for my own private practice?

        As long as you are a member of CUPE, this coverage will cover you in all of these situations for services rendered as a RPN or RN.

      • 6. Is there a deductible?

        No – this program does not have a deductible.

      • 7. Am I covered if a patient accuses me of abuse?

        Criminal acts such as molestation, harassment, corporal punishment, assault or battery or any form of sexual or physical abuse are not covered under this Professional Liability Protection policy. If however, you are successfully acquitted, received a “not guilty” verdict or the charges are withdrawn, this policy will reimburse you up to $50,000 for legal expenses incurred to defend you.

      • 8. What is my username and password required to apply online?

        Please refer to your information package for complete instructions including your user name and password. Please contact PROLINK if you do not have this information package.

      • 8. I applied and paid online. Should I have received confirmation in the mail?

        No. You would have received your credit card confirmation/receipt via email. To view and print your evidence of insurance, go directly to www.prolink.insure/LOGIN . Your user name will be your complete email address, and your new password was created by you during the online application process. For more information or if you have additional questions, please contact PROLINK.

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

    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

Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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