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PANB-Paramedic Association of New Brunswick

Welcome to the PANB Insurance Program from PROLINK

PROLINK-Canada’s Insurance Connection has partnered with the Paramedic Association of New Brunswick 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 PANB rates.

PROFESSIONAL INSURANCE FOR PANB MEMBERS

Our Professional Liability Insurance meets all registration requirements set forth by PANB and includes coverage enhancements that weren’t previously available through the program, ensuring that members receive the best possible protection.

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?

Given the sensitive and unpredictable nature of paramedicine, mistakes can easily happen, especially in a situation where speed and efficiency can make the difference in saving someone’s life. Working in such a high stakes environment means that you could be susceptible to a potential lawsuit whether you are at fault or not.

We can help. PROLINK has partnered with the Paramedic Association of New Brunswick to protect you from the specific risks you face as a paramedic. Our Professional Liability Insurance meets all regulatory requirements and will protect you in the event of a claim alleging negligence, errors, omissions, or malpractice.

Policy highlights include:

  • $5,000,000 per claim / $5,000,000 aggregate;
  • Coverage extends to services provided in Maine, USA when directed by your employer;
  • FREE, unlimited access to a Legal & HR Assist helpline with certified lawyers and HR specialists for personal and professional matters (services available in English and French, from 8AM to midnight, 7 days a week);
  • 12-month extended reporting period included for parental leave;
  • $75,000 Professional Conduct Legal Expenses Extension;
  • $50,000 Sexual Abuse Expense Reimbursement Extension;
  • Optional Enhanced Legal Services available, including legal document review and simple legal letter drafting;
  • And more!

ADDITIONAL BUSINESS INSURANCE

Through PROLINK, you can also secure additional coverage for any other businesses you may operate outside of the scope of your paramedic activities. We generally recommend the following coverages for full business protection:

  • 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 company operations.
  • Property Insurance: Protects your commercial property from damage or loss and will cover the costs of repairs or replacement for contents, equipment, and furnishings.
  • Data Security & Privacy Breach Insurance: Protects your business and offsets your losses in the event of a breach, such as when your company’s information is stolen or exposed by a hacker, or accidentally released by an employee.

How can you access this insurance?

To inquire about coverage for a business that is outside the scope of your paramedic activities, please contact PROLINK today.

PANB & PROLINK EXCLUSIVE POLICY FEATURES

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

Unlock Unbeatable Rates

Enjoy PANB-exclusive rates through PROLINK, at only $82 per month. Our Professional Liability Insurance meets all registration requirements set forth by PANB.

Work with Experts

PROLINK has been serving paramedics for nearly 10 years. We understand the threats you face like no one else. Our program is crafted for the unique risks of New Brunswick's paramedics, providing tailored coverage you can rely on to defend against regulatory investigations and claims. 

Leverage Legal & HR Support

Take advantage of your policy’s complimentary legal and HR helpline and enhanced legal services, including document review, and simple letter drafting. Whether it’s a complaint, a claim, or a grey area, you can proactively address issues, navigate the 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.


PANB & PROLINK EXCLUSIVE POLICY FEATURES

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

Unlock Unbeatable Rates

Enjoy PANB-exclusive rates through PROLINK, at only $82 per month. Our Professional Liability Insurance meets all registration requirements set forth by PANB.

Work with Experts

PROLINK has been serving paramedics for nearly 10 years. We understand the threats you face like no one else. Our program is crafted for the unique risks of New Brunswick's paramedics, providing tailored coverage you can rely on to defend against regulatory investigations and claims. 

Leverage Legal & HR Support

Take advantage of your policy’s complimentary legal and HR helpline and enhanced legal services, including document review, and simple letter drafting. Whether it’s a complaint, a claim, or a grey area, you can proactively address issues, navigate the 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.


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

Does the Professional Liability Insurance through PANB meet the requirements as set forth by the Paramedic Act of New Brunswick?

Yes.

Who handles the administration of the insurance program?

PROLINK handles the administration of the PANB Professional Insurance program. If you have any questions or concerns about your coverage, please connect with us at panbinsurance@prolink.insure.

Who do you contact should have a question on coverages or want to make a claim?

Please contact PROLINK 1 800 663 6828 or panbinsurance@prolink.insure.

Is there a common expiry date for the Insurance?

Coverage is available from the date of purchase and expires on January 1. 

The Professional Liability Protection starts at $5,000,000 in coverage. What will $5,000,000 pay for?

We have all heard media reports of medical professionals or organizations being sued for damages to a victimized third party. Damages are typically only one part of the claim that would be paid out by an insurance policy. The majority of all claims paid out by a Professional Liability Policy are to cover the fees and legal expenses required to mount a legal defence. In most cases, damages are not even awarded to a victim, but lawyers will still require compensation. Currently, the average fee for a lawyer who specialized in medical malpractice insurance in Canada is $500-$700 per hour. The liability limit will pay for all reasonable and necessary costs, charges, fees, (including but not limited to legal fees) and expenses incurred over the course of an investigation, negotiation, arbitration and defence of any covered claim.

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.

What happens if I change jobs, work for more than one employer, volunteer elsewhere?

As long as you are a member of PANB and working in Canada, this coverage will cover you in all of these situations for your Paramedic services.

What is the policy territory?

Under the PANB Insurance Program, the policy territory is Canada-wide (including its territories). Additionally, coverage extends to services provided in Maine, USA where directed by your employer.

If you have a practice permit from another province and/or territory, it is recommended that you contact them and enquire what their requirements are to ensure that you are in compliance. While the PANB is primarily for New Brunswick Paramedics, there are scenarios where paramedics that reside outside of the province register with and purchase liability insurance through the association, and practice within the province. Please reach out to PANB for further clarification.

Am I covered if a patient accuses me of abuse?

Criminal acts such as molestation, harassment, corporal punishment, assault or battery or any form of sexual or physical abuse are not covered under this Professional Liability Protection policy. If however, you are successfully acquitted, received a “not guilty” verdict or the charges are withdrawn, this policy will reimburse you up to $50,000 for legal expenses incurred to defend you.

What if I want to purchase separate insurance for any side business I operate?

Please contact PROLINK directly so that we can help you secure the appropriate coverage for your business.

Get Your Free Insurance 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.

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 recommend that you wait to notify your PROLINK Account Manager during business 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 recommend that you wait to notify your PROLINK Account Manager during business 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.

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.

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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