Our policies are designed with a few options in mind. The following is a summary of the standard policy and is not intended to be a policy of insurance or relied on. Please consult your insurance broker, your certificate of insurance and full insurance policy for your specific coverages, limits and deductibles:
$$5,000,000 Professional Liability – Otherwise known as Errors & Omissions Insurance, covers your liability for errors and omissions or
negligence during the course of your insured professional services. If a third party, such as a client, brings a suit against you for damages
covered by your insurance policy, this protection would also cover legal fees for your defense. Subject to the wordings of your policy.
$100,000 Legal Expense Coverage – Provides protection for your insured business from claims by third parties, such as clients or other
businesses, which allege sexual, physical, or verbal abuse. This coverage will reimburse you for legal expenses in the defense of an
allegation, provided you plead not guilty and are found not guilty. This excludes criminal defence costs. Subject to the wordings of your
policy. Claims must be reported within 60 days of being notified of an allegation.
$10,000 Criminal Defense Cost Reimbursement – If a criminal proceeding is brought against you due to your insured professional services
you may be eligible for criminal defense cost reimbursement. This coverage applies if such proceeding arises because of the manner in
which you have conducted yourself within your Practice and only if the defence of such action, suit or proceeding is fully successful (you
plead not guilty and are found not guilty). Subject to the wordings of your policy.
$5,000,000 Commercial General Liability – Commercial general liability insurance protects you and your insured business against claims
for bodily or personal injuries, advertising liability. This coverage also includes property damage to third parties arising from your
operations or products or occurring on your business premises. In the event of an insured claim against you this coverage would cover
legal costs to defend the claim against your business in court, as well as damage rulings against you to compensate third parties. Subject to
the wordings of your policy.
$500,000 Tenants Legal Liability – If you or an employee unintentionally cause damage to the property you are renting you may be legally
responsible for these damages. If insured, Tenants Legal Liability would provide funds to your landlord to facilitate repairs to the building.
This coverage does not extend to your personal equipment. Subject to your policy wordings.
Legal Guard-24/7 Telephone access to legal information service for questions relating to your business.
This policy allows up to $25,000 in PRODUCT SALES. Products must relate to your modality, they cannot be self-manufactured,
tampered with, nor relabeled. Products can only be sold to existing clients.
This policy allows up to $25,000 in PRODUCT SALES. Products must relate to your modality, they cannot be self-manufactured, tampered with, nor relabeled. Products can only be sold to existing clients.