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Independent Contractors Insurance Program

PROLINK > Independent Contractors & Professionals > Independent Contractors & Staffing Firms > Independent Contractors Insurance Program

Welcome to The Independent Contractors Insurance Program from PROLINK

PROLINK has provided professional and personal insurance solutions to Independent Contractors for over 15 years! The insight we’ve collected means that we can help you protect yourself with superior insurance coverage at unparalleled rates! Please note that in order to be eligible for this program you must be doing contracted work through ONE Staffing Firm. If you do work through multiple Staffing firms, or other independent work, please contact us at ICP@prolink.insure so that we can help you find the right coverage for your needs.

PROFESSIONAL
INSURANCE

HOME & AUTO
INSURANCE

LIFE & HEALTH
INSURANCE

FREQUENTLY ASKED
QUESTIONS

CONTACT
US

PROFESSIONAL INSURANCE

HOME & AUTO INSURANCE

LIFE & HEALTH INSURANCE

FAQ

CONTACT US

PROFESSIONAL INSURANCE

Learn about our professional insurance solution tailored to the needs of Independent Contractors. Please note that in order to be eligible for this program you must be doing contracted work through ONE Staffing Firm. If you do work through multiple Staffing firms, or other independent work, please contact us at ICP@prolink.insure so that we can help you find the right coverage for your needs.

PROFESSIONAL LIABILITY (E&O) AND COMMERCIAL GENERAL LIABILITY (CGL) INSURANCE

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.

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 operations. 

Why do we recommend it?
Our tailored offer for Independent Contractors (in Accounting/Finance, Administration/Clerical, IT, Management Consultants, or Technical/Engineering fields) includes both Professional Liability Insurance and Commercial General Liability Insurance. Together, our program will protect you from claims relating to professional negligence and other errors within your scope of practice, as well as third party injuries, property damage, and more!

Highlights include:

    • Protection levels that fit your needs with limits ranging from $1M, $2M, or $5M;
    • Coverage periods range from one week to 18 months, so that you can choose what fits your contract best;
    • Easy online application process that allows you to receive all of your documents within minutes;
    • Coverage is fully tax-deductible;
    • Renewal reminders to ensure that you never experience a gap in coverage;
    • And more!

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.

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.

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.

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

Please notify PROLINK once 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.

What if I have to change something on my policy between renewals?

For any mid-term changes, please email us at ICP@prolink.insure.

What is the minimum and maximum policy term?

We recommend that you purchase insurance coverage for the duration of your contract. You can purchase coverage for as little as one week going all the way to 18 months. If your contract goes beyond 18 months, you will be able to renew your policy near the expiry date. We send out automatic reminders beginning 60 days out.

I see that the program includes two policies. What are these and why do I need both?

Both the Professional Liability (“E&O”) and Commercial General Liability (“CGL”) Insurance policies are required to adequately protect you if you are incorporated or a sole proprietor. The E&O coverage protects against mistakes which cause financial loss to a third party. CGL coverage is focused on protecting you from claims as a result of Bodily Injury or Property Damage to a third party for whom you are legally liable.

What services are covered?

The policies cover the following services:

  • Accounting / Finance*
  • Administration / Clerical
  • Information Technology
  • Management Consultants
  • Technical & Engineering**

*Accounting Services Exclusions include Audits, Beneficiary of Trust, Control of Funds, Direct Management of Others, Property Management, and Sole Cheque Signing Authority. If you are working as an Accountant, we have a dedicated Accountants & Bookkeepers Program you can subscribe to instead. Please contact us at ICP@prolink.insure if you are unsure.

**Technical & Engineering Exclusion: INSURED SERVICES DOES NOT INCLUDE Professional Engineering Services, including but not limited to the preparation or approval of maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications (referred to as “They”/”These”) UNLESS They are approved in writing prior to the CLAIM by a professional engineer that is acting in a supervisory capacity and is an employee of the entity that has contracted for These services with the NAMED INSURED. This means if you are the final decision maker, this policy will not cover your services. Please contact us at ICP@prolink.insure if you are unsure.

Any role that has signing authority, final decision-making authority, or supervisory responsibilities is not covered under this policy. Please refer to the policy wordings for more guidance or contact us at ICP@prolink.insure if you have questions. 

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What requirements do I need to meet in order to be eligible for coverage?

In order to qualify for the Independent Contractors Insurance Program, you must only be doing work through ONE staffing company that is participating in PROLINK’s program. You will not be eligible for coverage if you:

  • Contract with multiple staffing companies
  • Work independently/directly with clients
  • Are no longer contracting with a staffing company that is participating in PROLINK’s program
  • Are in a role that has signing authority, final decision-making authority, or supervisory responsibilitiesAre subject to one of the Administrative/Clerical or Accounting/Finance or Technical/Engineering Exclusions

If you do not qualify for the Independent Contractors Insurance Program, you may be eligible for coverage through our APCC Professional Insurance Program. To learn more about the eligibility requirements and differences between these programs, click here for our Insurance Programs for Independent Contractors & Consultants. For more guidance, connect with us at ICP@prolink.insure, so that we can help you find the right coverage for your needs.

Will the Independent Contractors' Program protect me for my own consulting activities (with other clients) that I also perform from time to time?

No. The Independent Contractors’ Program only protects you for E&O and CGL claims arising out of the work you do on behalf of your staffing company. Please contact us at ICP@prolink.insure to discuss options to insure all of your activities.

How do I buy coverage?

You can buy coverage securely online. Once you contact us and we confirm that you meet the requirements for our program, we will send you an email link where you can complete the application online.

Once purchased, we will email your Certificate of Insurance, policy documents, a receipt, a completed application and a privacy disclosure document.

How do I renew / extend my insurance coverage?

Before your policy expires, you will receive a reminder email containing a link to renew. Please click this link to renew your policy. Sometimes the email may end up in your spam folder. Please check there.

If you still don’t have the email, please contact us at ICP@prolink.insure.

When will my coverage become effective?

Coverage is effective the date you sign up (or the starting date you select) AND your payment is received. Coverage CANNOT be backdated.

In whose name will the documents be issued?

If you are incorporated, and are the sole employee, the insurance documents will be issued in the name of your corporation. As an employee of your incorporated company, the coverage automatically extends to you.

If you are a sole proprietor (unincorporated) the documents will be issued in your name personally.

Please note that even if the documents are issued in your corporation’s name, this policy WILL NOT cover any other independent contractors, employees, or partners of your corporation. It will ONLY extend coverage to the named independent contractor who is under contract with the staffing agency you designate in your application. Any other contractors who require coverage must purchase their own policy.

Do I need to confirm coverage to my staffing company?

You should forward your Certificate of Insurance to your staffing company as proof of coverage and to fulfill your contractual obligations to your staffing company.

What limits are available?

You have choice of a $1 million, $2 million or $5 million limit.

Is there a deductible?

There is a $1,000 deductible. However, please note that this deductible does NOT apply to your defense costs.

Does the policy cover legal fees?

All defense costs (subject to policy limits) are covered. Victor (the insurer) has access to some of the best lawyers in the country.

What is the cost of coverage?

Pricing depends on the services you provide, the limits you select and the length of your policy. The length of your policy period can be anywhere from one week up until 18 months.

What are the payment options?

Credit card is the only method of payment for this program.

Does this policy also cover my employees/partners/other Independent Contractors I employ?

Please note that even if the documents are issued in your corporation’s name, this policy WILL NOT cover any other independent contractors, employees, or partners of your corporation. It will ONLY extend coverage to the named independent contractor who is under contract with the staffing agency you designate in your application. Any other contractors who require coverage must purchase their own policy.

What if I’m contracting with more than one staffing agency or client?

If you are contracting with more than one staffing firm or client, you will not be able to participate in the Independent Contractors Insurance program. However, you may be eligible for coverage through our APCC Professional Insurance Program. To learn more about the eligibility requirements and differences between these programs, click here for our Insurance Programs for Independent Contractors & Consultants. For more guidance, connect with us at ICP@prolink.insure, so that we can help you find the right coverage for your needs.

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

DISABILITY
QUOTE

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
QUOTE

DISABILITY
QUOTE

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.

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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