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Speech-Language Pathologists and Audiologists Insurance Program

Welcome to the Speech Language Pathologists and Audiologists Professional Insurance Program from PROLINK

As one of Canada’s largest national independent brokerages, PROLINK has the network, buying power, and influence needed to negotiate unparalleled savings for your professional insurance needs.

PROFESSIONAL INSURANCE FOR SPEECH LANGUAGE PATHOLOGISTS & AUDIOLOGISTS

Browse our professional insurance solutions tailored to the needs of Canadian Speech Language Pathologists & Audiologists. Please note that to qualify for our insurance program, you must be a member in good standing with Speech-Language & Audiology Canada (SAC).

PROFESSIONAL LIABILITY INSURANCE (E&O)

What is it?
Professional Liability Insurance 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 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. PROLINK has developed an insurance program that addresses the specific risks you face as a Speech Language Pathologist and/or Audiologist.

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 or $5,000,000 in liability coverage per claim;
  • A $50,000 Privacy Breach Liability Limit is included for no charge. If you maintain confidential client information, it is recommended that you increase your coverage.
  • And more!

COMMERCIAL GENERAL LIABILITY INSURANCE (CGL)

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?
Whether it’s a client, a vendor, or supplier, any business that comes into contact with a third-party needs Commercial General Liability Insurance, especially if you or your employees:

  • Own, rent, or lease a commercial space that’s open to the public;
  • Have a home-based business where clients visit you;
  • Visit your client’s workspace or home, or conduct business anywhere else offsite; and 
  • Advertise or create marketing materials for your business.

Policy features include:

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

PROPERTY INSURANCE

What is it?
Property Contents Insurance protects your commercial property from damage or loss and will cover the costs of repairs or replacement for contents, equipment, and furnishings.

Why do we recommend it?
Property Insurance is critical if you have your own business, regardless of the location. Whether you work from home or out of a commercial office, your general liability or homeowner’s policies won’t reimburse you for any damage to your business assets following a break-in, fire, or other disaster.

DATA SECURITY & PRIVACY BREACH INSURANCE

What is it?
Data Security & Privacy Breach Insurance protects your business and offsets your losses in the event of a breach, such as when your company’s information is stolen or exposed by a hacker, or accidentally released by an employee.

Our valuable policy features include:

  • Legal coaching on how to handle the breach;
  • Legal fees in the case of a civil suit;
  • Funds for court-awarded damages;
  • PR services for managing reputational impact;
  • Provisions for credit monitoring and client notification fees.

Why do we recommend it?

As a healthcare professional, you are a steward of private personal health information. Unfortunately, since health data is substantially more valuable than other kinds, healthcare professionals are more targeted by cyber criminals than professionals in other industries. There is also the internal risk of employee snooping which is more prevalent than you would think.

You are subject to much stricter privacy regulations and fines—particularly if you are a part of a regulatory College. So, if you or one of your employees were to lose a laptop, experience a network failure, or suffer from a hack that reveals client information—you could suddenly find yourself liable for thousands of dollars in damage. On average, a privacy breach costs $429 for EACH lost health care record. If you have even 100 clients affected by a breach, that could easily amount to a minimum of $42,900 for privacy breach expenses.

FREQUENTLY ASKED QUESTIONS

PROFESSIONAL INSURANCE

What does Professional Liability insurance cover?

In general, Errors & Omission 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.) Click here to learn more!

The Professional Liability policy is a “claims-made” policy. What does "claims-made" mean?

A “claims-made” policy requires you to have coverage in place both when the event or incident occurred and when it was brought to light (i.e. “made”).

What requirements do I need to meet in order to qualify for this program?

To qualify for our insurance program, you must be a member in good standing with Speech-Language & Audiology Canada (SAC).

If you haven’t already done so, you can purchase your SAC membership via the SAC websitePlease note that SAC will be happy to call you to assist with the completion of your membership application and to answer any questions that you may have. For assistance, please provide your name and contact information to membership@sac-oac.ca and SAC will follow up with you.

What if I need to make a mid-term change to my policy?

For any mid-term policy requests such as: updates, address changes, limit increases, additional insured certificates, and more, please contact SLPA@prolink.insure

Am I covered for any virtual services I provide?

The Professional Liability policy provides coverage for advice and services that you provide in a digital format and/or via telehealth (i.e., online or phone). The policy provides coverage for lawsuits and allegations brought against you in Canada only.  

The coverage requirements for online services are the same as in-person services: you must follow the scope of practice as outlined by  your regulatory college.

Is there a common expiry date for this program?

Yes. All members must renew by April 1st each year.

What is a claim?

An insurance claim is a formal request made by an individual to their insurance company to cover the cost of a covered loss. Most claims are filed following a verbal or written demand for compensation, or the threat of a demand for compensation from a client, partner, consultant, or other third-party.

What do I do if I receive a statement of claim?

The agreement you have with your insurer requires you to inform them anytime there’s a situation that might give rise to a claim. Additionally, your insurer reserves the right to decline a claim if written notice is not provided as soon as you become aware of an incident that may give rise to a potential claim.

As a result, we strongly advise you to notify us immediately in the event that you receive an email, letter, or any verbal notification of a claim related to professional negligence or disservice—even if it doesn’t result in an insurance claim. 

A written notification will not impact your insurance premiums. You can provide details of any potential incident to SLPA@prolink.insure

Click here to see how you can file an insurance claim in 5 steps or less.

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 us directly at 1 800 663 6828. 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 us directly at 1 800 663 6828. 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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