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MLPAO-Medical Laboratory Professionals’ Association of Ontario Insurance Program

PROLINK > MLPAO-Medical Laboratory Professionals’ Association of Ontario Insurance Program
MLPAO

Welcome to the MLPAO Insurance Program from PROLINK

PROLINK has partnered with the Medical Laboratory Professionals’ Association of Ontario to bring you tailored coverage for your professional needs. No matter where you’re coming from, or how complex your needs, we can help you secure superior protection at unparalleled rates!

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LIFE & HEALTH
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PROFESSIONAL INSURANCE FOR MLPAO MEMBERS

Access comprehensive protection that we designed through our partnerships with both insurers and the MLPAO to address the risks faced by Ontario’s Medical Laboratory Technologists and Medical Laboratory Assistants/Technicians.

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 a Medical Lab Assistant, you’re aware that contamination, experimental errors, random errors or even human errors can happen at any time during sample processing or analysis. And that’s despite taking all of the proper precautions. Unfortunately, in your profession, a mistake can pose a great risk. That’s because a doctor’s treatment plan relies on your findings.

That’s why PROLINK and MLPAO have partnered to develop a comprehensive Professional Liability Insurance program tailored to the unique risks you face as a Medical Laboratory Technologist or a Medical Laboratory Assistant/Technician.

Policy highlights include:

  •  Errors & Omissions Coverage:
    • $2M per claim with $5M aggregate for the policy period;
    • $100,000 for Disciplinary Legal Expenses;
    • $100,000 for Criminal Defence Reimbursement if you are found not guilty;
    • $10,000 for Sexual Abuse Therapy and Counselling;
    • And more!
  • Professional Legal & HR Advice:
    • Free unlimited legal and HR counsel from certified lawyers and HR specialists through the Trisura Legal Assistance Hotline at 1-866-945-5207;
    • 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.
  • Data Security & Privacy Breach Consulting Services:
    • $50,000 for privacy and security breach expenses;
    • Complimentary breach remediation services to help you quickly develop a clear incident response strategy and determine the steps to recovery;
    • Services include: breach counselling, crisis management, public relations assistance, and legal support.
  • No-Cost Coverage Extension:
    • Free automatic Extended Reporting Period coverage when you retire: five years for Medical Laboratory Technologists or two years for Medical Laboratory Assistants/Technicians;
    • Automatic no-cost Maternity Leave Extension, as long as you are a member in good standing of MLPAO. You will not pay premiums until you start working again.
    • Retired members must continue to renew as retired in order to access coverage.

MLPAO & PROLINK EXCLUSIVE POLICY FEATURES

Secure Professional Liability Insurance through PROLINK by becoming a member of MLPAO. Here’s how you can benefit:

Unlock Unbeatable Rates

Maximize your savings as an MLPAO member. With PROLINK’s exclusive rates and MLPAO's affordable membership fee, Medical Laboratory Technologists can enjoy a significantly lower total cost on membership and insurance. Save more in the long run with this cost-effective combination.

Work with Experts

PROLINK has been serving MLPAO for over 7 years. We understand the threats you face like no one else. Our program is crafted for the unique risks of Ontario’s Medical Laboratory Professionals, providing tailored coverage that you can trust, with a dedicated team to serve you no matter the need.
 

Leverage Legal & HR Support

Take advantage of your policy’s complimentary legal and HR helpline, with personalized advice from experts who specialize in healthcare matters. Whether it’s a College complaint, a claim, or a legal grey area, you can proactively address issues, navigate the legal system, and avoid unexpected expenses.


Recover Your Business

Our policy includes complimentary breach response and remediation services to help you respond following a security incident. Benefit from in-house legal counsel to advise you on regulatory compliance, determine severity, outline next steps, and help restore your reputation.


Unlock Unbeatable Rates

Maximize your savings as an MLPAO member. With PROLINK’s exclusive rates and MLPAO's affordable membership fee, Medical Laboratory Technologists can enjoy a significantly lower total cost on membership and insurance. Save more in the long run with this cost-effective combination.

Work with Experts

PROLINK has been serving MLPAO for over 7 years. We understand the threats you face like no one else. Our program is crafted for the unique risks of Ontario’s Medical Laboratory Professionals, providing tailored coverage that you can trust, with a dedicated team to serve you no matter the need.
 

Leverage Legal & HR Support

Take advantage of your policy’s complimentary legal and HR helpline, with personalized advice from experts who specialize in healthcare matters. Whether it’s a College complaint, a claim, or a legal grey area, you can proactively address issues, navigate the legal system, and avoid unexpected expenses.


Recover Your Business

Our policy includes complimentary breach response and remediation services to help you respond following a security incident. Benefit from in-house legal counsel to advise you on regulatory compliance, determine severity, outline next steps, and help restore your reputation.


MLPAO & PROLINK EXCLUSIVE POLICY FEATURES

Secure Professional Liability Insurance through PROLINK by becoming a member of MLPAO. Here’s how you can benefit:

FEATURESPROLINK MLPAO PROGRAMCANADIAN SOCIETY FOR MEDICAL LABORATORY SCIENCE (CSMLS) PROGRAM
INSURANCE COMPANY
  • Trisura Guarantee Insurance Company
  • Victor Insurance
MEMBER FEES & INSURANCE (for $2M of coverage):
  • MLT: $139.99 membership + $25 insurance per year
  • MLA: $134.99 membership + $11 insurance per year
  • MLT: $172 membership + $13 insurance per year
  • MLA: $136 membership + $7 insurance per year
STUDENT FEES & INSURANCE (for $2M of coverage):
  • All Students: $24 membership + $11 insurance per year
  • MLT Student: $83 membership for 2 years, $111 membership for 4 years, membership includes insurance for clinical placements only, but expires after 1 exam attempt
  • MLA Student: insurance not mentioned on application
RETIRED MEMBER FEES & INSURANCE (for $2M of coverage):
  • $38.99 membership +
    • MLT: 5 years of coverage included
    • MLA: 2 years of coverage included
  • $67 membership, insurance unknown
INACTIVE OR NON-PRACTISING MEMBER FEES & INSURANCE (for $2M of coverage):
  • MLT: $115.99 membership + 100% premium for the first year or 150% premium for 2 years
  • MLA: $110.99 membership + 100% premium for the first year or 150% premium for 2 years
  • MLT: $103 membership + $13 insurance
  • MLA: $103 membership + $7 insurance


*Length of term unknown
PARENTAL LEAVE
  • 1 year automatically included
  • N/A
ALL OTHER LEAVES
  • 100% premium for the first year
  • 150% premium for 2 years
  • N/A
PROFESSIONAL LIABILITY INSURANCE LIMIT
  • $2,000,000 / $5,000,000 aggregate
  • $2,000,000 / $2,000,000 aggregate
LEGAL EXPENSE
  • $100,000 / $100,000 aggregate
  • $50,000 / $200,000 aggregate
NETWORK SECURITY & PRIVACY BREACH EXPENSE
  • $50,000
  • $75,000
COUNSELLING EXPENSE
  • $10,000
  • N/A
CRIMINAL PROCEEDING EXPENSE
  • $100,000
  • Varies per allegation ($20,000 - $150,000)
LEGAL HELPLINE
  • Includes FREE legal advice with unlimited calls to the Trisura Legal Assistance Hotline, available in English and French, 8AM to midnight, 7 days a week
  • N/A
HR ASSIST
  • Includes HR Assist, available in English and French, connects you to certified specialists who can help effectively manage any HR issues
  • N/A
PRIVACY & SECURITY BREACH SERVICES
  • Includes complimentary services to help you respond and recover following a privacy breach, including: breach counselling, crisis management, PR consulting, and legal support.
  • N/A

FREQUENTLY ASKED QUESTIONS

PROFESSIONAL INSURANCE

What does Professional Liability Insurance cover?

Professional Liability Insurance protects you from allegations of errors, omissions, or negligence committed within the scope of your professional activities as a Medical Laboratory Technologist or a Medical Laboratory Assistant/Technician, even if the claims made against you are groundless. In general, that includes: failure to render services, breach of contract, poor advice, and misrepresentation.

Will the Professional Liability Insurance policy protect me if I am charged with a criminal offence?

The policy will only reimburse you for legal defence costs incurred in a criminal action related to your services if the criminal charges are dropped or if you are found not guilty for the offence.

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?

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.

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

A “claims-made” policy requires your policy to be in effect at the time a claim is reported, or made. That means that the policy you have in place at the time an allegation is reported will respond, not the policy you had in place at the time you committed an alleged act.

Do I receive protection after I retire?

Yes. All MLPAO members who hold Professional Liability Insurance through PROLINK will receive free retirement coverage at no extra cost for claims arising from incidents that occurred before the date you ceased practice. Medical Laboratory Technologists will receive five years of extended coverage, whereas Medical Laboratory Assistants/Technicians will receive two years.

How do I activate my retirement coverage?

In order to activate your retirement coverage, you must renew as a Retired Member of MLPAO by January 31 following the year you retire from practice.

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.

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What do I do if I think I may have caused a Privacy or Data breach?

You can contact the Cyber Breach Coach available through your MLPAO program insurer, Trisura. Simply call 1-866-856-9203 or email claims@trisura.com. Have your policy number ready to indicate that you are an insured MLPAO member.

How do I access the legal hotline?

Members can access free unlimited legal and HR counsel from certified lawyers and HR specialists through the Trisura Legal Assistance Hotline at 1-866-945-5207. Services are available in English and French from 8AM to midnight (local time), 7 days a week. Simply have your policy number ready when you call.

Get Your Free Insurance Quote:

LIFE & HEALTH
QUOTE

DISABILITY
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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
QUOTE

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

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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