Management Consultants Insurance Program
Welcome to the Management Consultants 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 Management Consultants and Management Consulting firms.
With over 30 years of experience with Management Consultants, we have the expertise to provide superior protection, an exceptional partnership approach, and personalized client service just for you.
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.
The best part? You don’t have to be a member of CMC-Canada, or any association, to benefit from our program.
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 Management Consultants.
Professional Liability Insurance (E&O)
Consulting is all about communication. But what you communicate isn’t always what’s understood. Whether you’re launching new initiatives, disposing of assets, or simply reviewing a business’s operations, advice is subject to interpretation. Even if you’ve done nothing wrong, clients can sue as long as they think you’ve made a mistake or lost their money. And your business agreement might not always cover you for losses.
Professional Liability Insurance can help with that. And if you’re not worried about a lawsuit for “bad advice” or “empty promises”, keep in mind that you’ll still need insurance to secure contracts—some clients won’t even hire you without it. Especially if you work independently.
Like all Management Consultants, PROLINK—Canada’s Insurance Connection focuses on solutions. That’s why we’ve devised a comprehensive program customized to the unique risks faced by you as a professional. We’ll protect you from any allegations of negligence, error, or misrepresentation, even if the claims made against you are groundless.
Policy highlights include:
- Limitless coverage for defense costs;
- Free legal assist, with a pro bono telephone legal advice service;
- Additional premium discounts for CMC and FCMC designates;
- Worldwide coverage; and, more!
Commercial General Liability Insurance
Consulting independently gives you the freedom to work the way you want—your business, your time, your pick. But what about your risks? In a field as diverse as management consulting, you’re always liable, especially if you:
- 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 company offices or even their homes (What if you accidentally damage their property?);
- Employ other people (more staff, more room for error);
- Own a small business (the smaller the business, the harder the recovery).
Lawsuits are expensive. Medical expenses, legal bills, and related financial damages can all bankrupt your business and even consume your personal assets if you have to pay out-of-pocket for losses.
Luckily, PROLINK—Canada’s Insurance Connection has you covered with an exclusive Commercial General Liability Insurance program for Management Consultants at an unparalleled rate. We’ll protect you from third-party claims of bodily injury, property damage, medical payments, advertising injury liability, and tenant’s legal liability. PROLINK will even defend your business if it’s named as a third-party in a lawsuit.
If you own a consulting business, chances are you also own, rent, or lease office space. Whether it’s a major corporation, an up-and-coming firm with a small 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 replacing your products can leave a lasting deficit on 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 20 years of servicing Management Consultants, PROLINK–Canada’s Insurance Connection 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.
Data Security & Privacy Breach Insurance
In this day and age, all companies are data companies. When you rely on computer networks for the bulk of your work, hackers, malware, and ransomware pose a real threat. Whether it’s a stolen laptop, a breach in your cloud provider, or even extortion from a rogue employee, being on a network exposes you to cyber risk. And you may not realize the value of your digital assets—and the implications of a breach—until it’s too late.
If you service high-profile clients, you might even be more attractive to some cybercriminals for your third-party connections. But make no mistake, smaller businesses and start-ups with a lower budget for security provisions are just as susceptible to attack.
Plus, as a Management Consultant, a cyberattack doesn’t just mean losing your client’s personal information; it also means losing your professional portfolio. Contact lists, contracts, plans, designs, project files—years of work gone in an instant.
You might think that your property or liability insurance policy will restore your files for a small add-on fee. But there’s no fast fix for a cyber attack, especially when your physical property isn’t your most valuable. Data Security and Privacy Breach Insurance can protect you against these losses, help you get your electronic assets back in order, and your business back online.
Highlights of our policy include:
- Public relations consulting for how to handle the breach;
- Coverage for legal fees and coaching in case of a civil suit;
- Business interruption and client notification coverage;
- And much more!
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 route 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 time of time and effort into making them perfect over the years. That means that they need to be well-protected with super coverage tailored to their unique specificities.
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 a bit more if you’ve added a major renovation to your home or bought a brand-new car. Or if your home is also your place of work.
At PROLINK—Canada’s Insurance Connection, 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.
Health & Dental Insurance
No colds or cavities? You might think it’s okay to skip out on medical & dental coverage for the time being but your health will always catch up with you. It only takes one accident to put you into major debt. And the costs can add up pretty quickly, especially if you end up with a serious illness, injury, or chronic condition that requires ongoing care.
Plus, taking advantage of your plan offerings and being proactive about your health now will help you prevent long-term conditions later on. Treatments, prescriptions, and dental work are expensive and always seem to pop up when you’re least expecting them.
By purchasing your plan through PROLINK—Canada’s Insurance Connection, you’d become part of a member pool across all of the associations that we represent. That means access to lower rates. Our comprehensive plan covers Health, Vision, Dental, and Drugs, and can get you access to Paramedical services such as Massage, Chiropractic, Physiotherapy, and more.
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 they can recover from the financial strain of an untimely death. A life policy can help them get back on their feet so they can focus on processing their grief.
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—Canada’s Insurance Connection, 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.
Critical Illness Insurance
Modern medicine has allowed people to live with life-altering sickness at higher survival rates than ever before. But living with a critical illness can be costly. 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 of having to live with a major health condition.
Even if your finances are comfortable, medical costs can 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 sickness, but you can plan for it. With PROLINK, you can access the best that medicine has to offer with a customized and cost-effective Critical Illness policy for the long-term financial flexibility you need.
Travel Medical Insurance
You work hard and you deserve a worry-free vacation. Unfortunately, life doesn’t go on holiday. No matter how much you plan, the possibilities for trouble are endless and 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 expenses 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, we at PROLINK—Canada’s Insurance Connection 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 endorsements 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.
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 and even emotional at times. 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.
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.
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.