OSLA-The Ontario Association of Speech-Language Pathologists and Audiologists Insurance Program

OSLA

Welcome to the OSLA  Professional Insurance Program from PROLINK

PROLINK—Canada’s Insurance Connection has partnered with the Ontario Association of Speech-Language Pathologists and Audiologists 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 needs of  Ontario's Speech Language Pathologists and Audiologists.

  • Professional Liability Insurance

    Helping individuals maximize their independence through overcoming communication, swallowing or other associated cognitive disorders is an incredibly rewarding job. However, as the field of Speech Language Pathology and Audiology diversifies to include new specialties and services, the professional risks you face expand in tandem. No matter how skilled or experienced you are, unpredictable situations can arise that could leave you exposed. And unfortunately, these days unhappy patients increasingly express themselves through costly lawsuits. You need to protect yourself.

    We can help. At PROLINK we want you to feel free to do your job without worrying about your professional exposures. So we’ve partnered with OSLA to develop a customized insurance program that addresses the specific risks faced by Ontario Speech Language Pathologists. Professional Liability Insurance will defend you from claims others make against you within the scope of your professional activities.

    Policy highlights include:

    • FREE telephone legal advice offered through your Trisura policy by calling 1 866 945 5207. If you have any questions that require the assistance of a lawyer, the Trisura Legal Assistance Hotline is available from 8 a.m. to midnight (local time), seven days per week. To access this benefit, simply have your policy number ready when you call;
    • $2,000,000 in liability coverage;
    • Privacy and security breach coverage;
    • And more!

    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 a complaint is filed against me with my Regulatory Body?

        The chance of having someone file a formal complaint against you is greater than the chance of being sued. There are different regulatory bodies in each province; however, this policy will provide access to lawyers who specialize in defending professionals being investigated by a regulatory body or authority due to a complaint.

      • 3. 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.

      • 4. 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.

      • 5. 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.

      • 6. What is a retroactive date?

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

      • 7. 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.

      • 8. 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.

  • Commercial General Liability Insurance

    Commercial General Liability insurance protects you in the case of claims made as a result of third party injuries or property damage. You may think that you’re not at risk. But you meet with clients on a regular basis. Something as simple as a slip and fall associated with your business could leave you liable for damages of a sum that would surprise you—even if you’re not at fault.

    This situation is so common that most venues, government parties, landlords, 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 trips while delivering a work-related package, your typical home owner’s policy may not cover it. Commercial General Liability will.

    Policy features include:

    • Covers incidents that occur on your premises, at a client’s home, hospital, or alternative healthcare facility;
    • Coverage for:
      • Bodily Injury and Property Damage Liability;
      • Personal Injury and Advertising Injury Liability;
      • Medical Payments;
      • Tenants Legal Liability.

    Contact PROLINK to apply today!

    • FAQ

      • 1. Why is Commercial General Liability 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 will.

      • 2. What does Commercial General Liability cover?

        Commercial General Liability covers you in the case of third party injuries and property damage that occurs through your professional activities. It also provides you with insurance for Tenant’s Legal Liability, Employer’s Liability, Voluntary Compensation and Non-Owned Automobile coverage and more.

      • 3. What is a non-owned automobile?

        This refers to vehicles that are not owned by your company, but are being used for business purposes. For example, it provides protection if an employee must drive their own personal vehicle for business use. It covers bodily injury and property damage that is caused by such vehicles, because otherwise the employer can be held liable for employee-perpetrated accidents.

  • Property Insurance

    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 small 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, we’ve negotiated comprehensive coverage for your business property at unparalleled rates.

    Highlights include:

    • Protection for any:
      • Equipment;
      • Inventory and supplies;
      • Office furniture and fixtures;
      • Computers and electronics.
    • Shield your office from flood and sewer backup;
    • Insure against any theft or physical losses;
    • And more!

    Contact PROLINK to apply today!

    • FAQ

      • 1. Is my home office covered under my home insurance policy?

        Not necessarily. You need to check your policy or request PROLINK‘s assistance to determine if adequate coverage is available.

      • 2. My business doesn’t house a lot of furniture do I really need property insurance?

        You may not think your business has anything of value. But when was the last time you properly assessed your office contents? You may be surprised at how quickly things add up.

        And Property insurance offers protection for more than just traditional furniture. Computers, software, project files and resources, as well as any equipment you take on the road are also covered with this policy.

        Plus, you can claim business interruption costs that result from the disruption of your physical space while you work to recover from an incident.

      • 3. What are business interruption costs?

        Funds to cover the actual loss you experience with property damage, not just the physical loss. This means any business income lost as a result of suspended operations while you repair your property.

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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