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VRA-Vocational Rehabilitation Association of Canada Insurance Program

VRA

Welcome to the VRA Canada Insurance Program from PROLINK

Welcome to the Vocational Rehabilitation Association of Canada program from PROLINK—Canada’s Insurance Connection.

PROLINK offers comprehensive and cost-effective insurance coverage to address the unique personal and professional insurance needs of Vocational Rehabilitation Professionals. With over 35 years of experience, we have the expertise to provide superior protection, exceptional advice, and personalized client service at unparalleled rates.

No matter where you’re coming from or how complex your risks are, you can trust PROLINK to keep your insurance solutions simple. We’ll make sure you’ve got the right coverage from the right insurer for the right price.

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PROLINK

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.

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Protection for My Business and Professional Life

Browse our professional insurance solutions tailored to the needs of Vocational Rehabilitation Professionals.

  • Professional Liability Insurance

    As a Vocational Rehabilitation Professional, you help people achieve independence in their everyday lives. It’s a rewarding career; but it’s also unpredictable. Rehabilitation work is all about communication and sometimes what you communicate isn’t always what’s understood. In the heat of the moment when clients are at their most vulnerable, 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. Poor counselling, inadequate assessment of a condition, breach of contract, you name it.

    And your employer may not always cover you in their policy—they might even sue you to recover some of the money spent on legal defenses, administrative costs, or lost productivity.

    Professional Liability insurance can take care of that. VRA Canada and PROLINK—Canada’s Insurance Connection have partnered to devise a unique program that addresses the specific risks you face as a healthcare provider. We’ll protect you from any allegations of negligence, error, or misrepresentation, even if the claims made against you are groundless. With over 35 years of experience, PROLINK has the expertise to meet your needs with precision and care.

    Policy highlights include:

      • No deductible;
      • Duty to defend actual or alleged claims or lawsuits brought against you;
      • Legal defence coverage included for disciplinary hearings and criminal proceedings, exclusively available through PROLINK;
      • Policy is fully compliant with the insurance requirements of the College of Vocational Rehabilitation Professionals.

    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

    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).

    Lawsuits are expensive. Medical expenses, legal bills, and related financial damages can all bankrupt your business and even drain your personal assets if you have to pay out-of-pocket for losses.

    That’s where we come in. 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 VRA Canada members. PROLINK will protect you from third-party claims of bodily injury, property damage, medical payments, advertising injury liability, and tenant’s legal liability. We’ll even defend your business if it’s named as a third-party in a lawsuit.

    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.

  • Privacy Breach Insurance

    As a VR Professional, you are a steward of private personal health information. Unfortunately, since health data is substantially more valuable than other kinds, VR Professional 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 also subject to much stricter privacy regulations and fines. 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. In fact, it takes on average $255 per record to notify a single client of a compromised file.

    Clients tend to be very forgiving of a privacy breach when it is well-handled by a professional. That is, when clients are notified promptly, and a sincere apology is made. However, to accomplish these things during the fall-out from a breach, you’ll need a team of consultants, provisions to keep your business running and funds for any potential damages. PROLINK can help you access all of these services with our Privacy Breach Insurance.

    Our valuable policy provides:

    • Legal coaching on how to handle the breach;
    • Coverage for business interruption costs while you get your business online;
    • 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.

    Contact PROLINK to apply online today!

    • FAQ

      • 1. Why is Cyber/Privacy Liability insurance important?

        Every business runs the risk of experiencing a cyber/privacy breach at least once in their lifetime. Recently, sophisticated fraudsters have proven that even the most secure organizations are at risk, too. The prevalence of cyber-attacks is only expected to increase and businesses report massive financial losses as a result of managing the fall-out. While a good defence strategy can certainly help, it’s not a question of IF your company will experience a breach but when.

        In Canada, privacy laws are ever-changing. And the process of navigating a breach is confusing and expensive. Damages are being awarded for not only sensitive information exposed, but for the resulting emotional injury as well. Finally, is every single one of your employees tech-savvy? Can they recognize a phish and stop scammers at the gate? The reality is that many breaches are caused by employee errors or mal-intent. And you need to be protected. Cyber/Privacy Liability insurance can help with that.

      • 2. What does PROLINK’s Cyber/Privacy Liability offer?

        Our Cyber/Privacy Liability policy will provide you with funding for Public Relations services to manage the reputational impact of the breach, as well as, provisions for credit monitoring and client notification fees if sensitive client information is exposed.

        Additionally, you will be able to cover the legal defence fees in the case of a civil suit made against you, along with funds for court-awarded damages. You can even cover some of your business interruption costs while you get your business back online.

        Finally, you will have access to a breach coach who will guide you through the entire process.

      • 3. What is a breach coach?

        A breach coach is a lawyer who specializes in guiding firms through a Cyber/Privacy breach. They are there to provide you with the advice you’ll need to make the process as simple as possible.

  • Property Insurance

    If you are an independent professional, chances are you also own, rent, or lease office space. Whether it’s a major corporation, an up-and-coming firm with a few staff, or a home-based office, every business has valuable assets. And whether it’s a natural disaster, a power outage, or a break-in, every business is vulnerable to damage.

    The cost of repairs and replacements can affect your business for years to come—for smaller firms, that impact might be financially devastating. Even if you can cover the expenses out-of-pocket, there’s the added blow of losing any income you would’ve earned before having to relocate or close down temporarily to fix the damages. Plus if your new location is out of the way, it might inconvenience your existing clients and keep any new ones away.

    And if your office is home-based? Keep in mind that your business and contents might not be covered under your Home & Auto policy, especially for any equipment taken on the road.

    That’s where we come in. With over 35 years of experience, PROLINK has seen it all. We’ll take the time to carefully audit your office contents and ensure that your business property, equipment, and furnishings are protected for their full value. We’ll also make adjustments to your coverage as your business continues to grow so you’re secure no matter what.

    Contact PROLINK to apply today!

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Protection for Me and My Personal Life

Your life is complicated. But selecting your insurance doesn’t have to be. Read on to see how PROLINK can help make the road to your insurance solutions simple.

  • Home & Auto Insurance

    Your home and your car aren’t just your most valuable assets; they’re your prized possessions. And as a working professional, you’ve probably invested a lot of time and effort into making them perfect over the years.

    Accidents can happen for any number of reasons—theft, loss, natural disasters. No matter the cause, one thing’s certain: you’ll be out thousands of dollars in damages. A financial setback no doubt, but it’ll sting even more if you’ve added a major renovation to your home or bought a brand-new car.

    At PROLINK, it’s our job to worry about your coverage and your risks so that you don’t have to. Bundling your coverage together through our comprehensive Home & Auto Insurance policy won’t just get you the protection you need, but the responsive, personalized service you deserve.

    With over 30 years of experience and access to a network of insurers, we’ve seen it all. With PROLINK, you’ll have your pick of insurance solutions and added benefits at just the right price point for you. Plus, as a member of VRA Canada, you can receive up to 20% off your Home & Auto Insurance!

    Contact PROLINK for your no-obligation quote today!

    GET A HOME & AUTO QUOTE
  • Health & Dental Insurance

    If you’re an independent practitioner, you probably don’t have access to traditional employee benefits like Health, Dental, and Drug coverage.

    But expensive treatments, prescriptions, and dental work always seem to pop up when you’re least expecting them. And if you end up with a serious illness, injury, or chronic condition that requires ongoing care, the costs can add up pretty quickly.

    We can help. PROLINK’s comprehensive program covers Health, Vision, Dental, and Drugs, and can get you access to Paramedical services such as Massage, Chiropractic Adjustment, Physiotherapy, and more. Taking advantage of your plan and being proactive about your health now will help you prevent long-term conditions in the future.

    Plus, by purchasing your insurance through PROLINK, you become part of a member pool across all of the associations that we represent in addition to VRA Canada. And that means access to lower rates.

    To learn more, contact PROLINK today.

    GET A HEALTH & DENTAL QUOTE
  • Life Insurance

    Life insurance is the coverage you avoid thinking about—until there’s a major emergency or health scare that forces you to reconsider.

    If something were to happen to you, who would provide for your family? Who would take on your debts? Who would cover your funeral expenses and the estate taxes from getting your affairs in order?

    Your loved ones might never truly heal from the pain of losing you, but you can help them recover from the financial strain of an untimely death. Plus if you insure early on, you can avoid paying a higher premium as you get older.

    Don’t wait. Pass the pain over to us. At PROLINK, we’ll take the time to understand you, your needs, and your family. We’ll provide you with affordable, long-term protection so you can provide for your loved ones if the unexpected happens to you.

    Contact PROLINK to learn more today.

  • Critical Illness Insurance

    Living with a critical illness isn’t just physically and mentally exhausting—it’s also financially draining. Most medications and treatments aren’t covered by a traditional drug plan. The latest healthcare breakthroughs are rarely available outside the U.S. On top of that, there are also travel expenses, childcare, and all the added indirect costs that come with a major health condition.

    Even if you’re financially stable, medical bills will take a toll on your hard-earned savings. Especially if your family relies on your income.

    Critical Illness Insurance can help with that by providing you with a lump sum that can be leveraged in whatever way best suits your needs. Once it’s been paid, how you spend it is completely up to you, whether that’s hiring a nurse, making your home accessible, or even paying off part of your mortgage.

    You can’t predict when you’ll get sick, but you can plan for it. With PROLINK, you can access top-quality care through a customized and cost-effective Critical Illness policy for the long-term financial flexibility you need.

    Contact PROLINK to evaluate your options today!

  • Travel Medical Insurance

    You work hard and you deserve a worry-free vacation. Still, no matter how much you plan, accidents can happen. Getting injured or sick overseas can be anything from a minor inconvenience to a massive financial blow.

    Think of travel insurance as a small investment with high value. It seems like an unnecessary expense and it’s definitely not the most exciting part of trip planning. But your peace of mind is priceless. Taking the time to set up protection in advance can save you the nightmare of unexpectedly forking out thousands of dollars abroad.

    With access to over 30 insurers, PROLINK can offer you a comprehensive insurance plan that suits your travel needs. Beyond emergency medical costs, we can also help you with lost baggage and trip cancellations fees with a few enhancements to your policy, even if it’s just for a weekend trip across the border.

    With PROLINK you’ll be prepared for whatever happens, wherever it happens. We want you to travel with ease, comfort, and the confidence of knowing we’ve got you covered.

    Contact PROLINK to learn more today!

  • Pet Insurance

    If you’re like most pet owners, your pet is your constant companion. So when your beloved companion inevitably falls ill, it can be stressful. It’s hard to see your once-lively pet refuse to eat or struggle up the stairs.

    While the veterinarian might be able to remedy whatever’s ailing your pet, that cure usually comes at a high cost, especially when you want your pet to receive the best care possible. Depending on the treatment, you might have to save up first—during which time your pet could get sicker—or put yourself in debt to afford all those unexpected fees.

    Purchasing PetSecure insurance through PROLINK can help take away the financial burden of getting your pet the care they 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!

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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

COVID-19 Risk Management Guide for VR's
To help you navigate the current landscape, we’ve put together this risk management guide to address the following topics: virtual care services, ensuring your financial resilience (navigating government programs), understanding the role of your VRA-Canada insurance.
COVID-19 Risk Management Guide for VR's


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