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CAPhO-Canadian Association of Pharmacy in Oncology Insurance Program

PROLINK > Associations > Healthcare Practitioners & Life Sciences Professionals > CAPhO-Canadian Association of Pharmacy in Oncology Insurance Program

Welcome to the CAPhO Insurance Program from PROLINK

PROLINK-Canada’s Insurance Connection has partnered with the Canadian Association of Pharmacy in Oncology to develop a comprehensive suite of insurance products for all registered members, including an enhanced Professional Liability Insurance policy. With over 40 years of industry experience, we can provide superior protection, an exceptional partnership approach, and personalized client service—all at exclusive CAPhO rates.

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HOME & AUTO
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LIFE & HEALTH
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PROFESSIONAL INSURANCE

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PROFESSIONAL INSURANCE FOR CAPhO MEMBERS

Browse our Professional Insurance solutions tailored to your needs as a Pharmacist or Pharmacy Technician.

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?
Even with years of experience and precision, working in oncology comes with high stakes. You’re handling complex drug therapies, managing serious side effects, and supporting vulnerable patients through some of the most difficult moments of their lives. A miscommunication, a dispensing error, or even a perceived oversight can lead to a complaint or a lawsuit—especially when emotions are running high.

While you’re focused on improving patient outcomes, you also need to protect your professional reputation. We can help. PROLINK and CAPhO have partnered to protect you from the unique risks you face as a Pharmacist or Pharmacy Technician. Our comprehensive Professional Liability Insurance is fully compliant with all provincial regulatory bodies and specifically tailored to the demands of your profession—so you can stay focused on your work with confidence.

In order to participate in this program, you must be a registered member in good standing with your provincial regulatory college and with CAPhO. Additionally, this program is intended to provide coverage for individual Pharmacists and Pharmacy Technicians only. It does not extend to pharmacies, clinics, or other business entities. If you own or operate a pharmacy or similar business, our team would be happy to help you explore separate coverage options tailored to your needs.

Policy highlights include:

  • $2,000,000 per claim / $4,000,000 aggregate;
  • $100,000 in Legal Expense Coverage for professional conduct reviews, disciplinary investigations, and College complaints;
  • $100,000 for Criminal Proceedings Legal Expense Reimbursement;
  • $50,000 to defend lawsuits alleging a privacy breach caused by your business, including any settlements or court-awarded damages;
  • $0 deductible;
  • Up to 2 years of coverage for parental leave included at no additional cost;
  • 7-year extended reporting period available for those ceasing practice due to retirement or disability;
  • Privacy Breach and Data Security Expense Coverage, including unlimited privacy breach coach consulting services from a lawyer or cybersecurity expert;
  • Enhanced Legal Services:
    • FREE, unlimited access to a Legal & HR Assist Helpline with certified lawyers and HR specialists for both personal and professional matters. Services available in English and French from 8AM to midnight (local time), 7 days a week. To access this benefit, simply have your policy number ready when you call.
    • Access to professional document review of simple contracts, up to eight pages in length such as: bills of sale, employment contracts, service agreements, partnership agreements, landlord and tenant agreements, and more.
    • Simple legal letter drafting up to 12 times per policy period, including demand, complaint, resignation, and warning letters, and more.
  • And more!

If you’d like to explore this program, click here to confirm your interest and provide your information. We’ll reach out with an application and next steps shortly after. 

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?
If you’re an independent contractor working within a pharmacy, clinic, or other business setting, you’ll need Commercial General Liability Insurance. While this coverage won’t apply to the location itself or to employees, it will protect you personally if you interact with third parties—whether clients, vendors, or suppliers—especially if your services result in property damage, bodily injury, or other claims.

Please note: the CGL coverage offered under this program only applies to independent contractors, not business entities. If you own or operate a pharmacy, clinic, or another business entity, our team would be happy to help you explore a standalone Commercial General Liability Insurance policy tailored to your business needs.

DATA SECURITY & PRIVACY BREACH INSURANCE

What is it?
Data Security & Privacy Breach Insurance offsets your losses in the event of a breach, such as when your professional or client 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;
  • And more.

Why do we recommend it?

As a healthcare professional, you’re 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’re subject to much stricter privacy regulations and fines—especially if you’re a part of a regulatory College. So, if you 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.

To help safeguard your reputation and keep your practice running smoothly in the face of a cyber incident, the CAPhO Professional Insurance Program offers an Individual Cyber Liability Package—with optional higher limits available. This coverage is designed specifically for independent contractors, giving you the protection you need against data breaches, privacy violations, ransomware attacks, and more.

Please note: the Cyber coverage offered under this program only applies to independent contractors, not business entities. If you own or operate a pharmacy or similar business, our team would be happy to help you explore a dedicated Cyber Insurance policy tailored to your business needs.

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 (i.e., a client) seeking damages resulting from a negligent or wrongful act, error, or omission arising from your profession and within your scope of practice.

Will the Professional Liability Insurance 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.

Is there a common renewal date?

Yes, all members renew each year on July 1st.

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

Please connect with us at capho@prolink.insure for any changes to your policy.

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

The Professional Liability Insurance policy offered is written on a “claims-made” basis.

Regardless of when a wrongful act takes place, this policy only applies to claims that are:

  • First made against the insured (i.e., you or your firm) during the term of the policy; AND,
  • Reported to the insurance company or PROLINK in writing during the policy period or within 30 days thereafter.

Do I receive protection after I retire?

Yes. All CAPhO members who hold Professional Liability Insurance through PROLINK can access up to 7 years of retirement coverage, known as an extended reporting period, for claims arising from incidents that occurred before the date you ceased practice. To learn more about ERPs, connect with PROLINK at capho@prolink.insure. 

How much does the Professional Liability Insurance policy cost?

A $2,000,000 per occurrence / $4,000,000 aggregate policy limit is available for just $190 in Ontario or $140 in the rest of Canada for Pharmacists, and $95 for Pharmacy Technicians and Assistants. Higher limits are available at an additional cost.

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.

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When do I need to notify PROLINK with a potential claim?

Please notify PROLINK as soon as you are served with a statement of claim. Additionally, 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.

Do I need any other type of insurance if I own or rent an office location?

Yes, you should purchase Commercial General Liability Insurance. Professional Liability Insurance won’t defend you against bodily injury or property damage claims that are related to your premises. You should also consider Property Insurance to protect your office contents.

What does Commercial General Liability Insurance cover?

Commercial General Liability Insurance 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, Non-Owned Automobile coverage, and more (subject to the terms of your policy).

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.

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 A QUOTE

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 A QUOTE

Get Your Free Insurance Quote:

LIFE & HEALTH
QUOTE

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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.

LIFE & HEALTH
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DISABILITY
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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

For Personal Insurance claims, 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. For Professional Insurance claims, we recommend that you wait to notify your PROLINK Account Manager during 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. For Professional Insurance claims, we recommend that you wait to notify your PROLINK Account Manager during 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.

VISIT OUR BLOG

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.

VISIT OUR BLOG

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:


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