OSOT’s Professional Liability Insurance policy covers you for up to 7 years following cessation of practice, death, disability or retirement, or extended leave at no additional cost.

No.

Yes. All members renew each year on October 1st. Professional Liability Insurance is a claims-made policy which requires that an individual have an active policy at the time a claim is made. Ensure that you are protected! Keep your insurance policy active at all times–you never know when a complaint or legal suit may be brought against you!

OSOT handles all registration in the Professional Liability Insurance Program and can be reached directly at 416-322-3011 or by calling 1-877-676-6768. Annual renewal of your insurance policy is completed at the time of OSOT membership renewal. PROLINK handles registration in Business Property Plans as these have individualized components to the coverage and pricing. For more information, contact PROLINK by calling 1-800-663-6828.

PROLINK handles all registration in OSOT’s Group Benefit Plan (life, health, disability, dental, assistance plan). Contact the Life & Benefits team at 1-800-663-6828 or life@prolink.insure for a confidential and individualized consultation regarding these important coverages.

PROLINK also handles all registration and quotes for OSOT’s Group Home & Auto Insurance. To learn more, contact the Personal Insurance team at 1-800-663-6828 or GetAQuote@prolink.insure.

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.

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.

OSOT members can access CGL policies with a limit of $2,000,000 or $5,000,000.

Libel and slander (also known as “personal injury”) can be encompassed under the umbrella term “defamation”. These are statements that damage a person or organization’s reputation resulting in emotional injury. Slander means any verbal defamatory statements. Libel refers to written defamatory statements. However, you are only covered if you unknowingly committed something that is considered libel or slander.

This coverage 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.

This coverage protects you (the employer) from losses arising from job-related injuries of employees.

If you rent or lease a commercial property for your clinic and accidentally cause property damage, you could be held liable. Tenant’s Legal Liability will help defend you against legal actions and will provide you with funds to cover the damages.