Professional

As a professional, there is always the possibility that your work may fail to meet your clients’ expectations. Regardless of fault, this can be costly, time consuming, and damaging to your reputation. Our professional liability program (also known as errors and omissions) safeguards your personal company and maintains your professional reputation and gives you peace of mind, knowing that you and your business are adequately protected.

Our offering includes

  • Claims-made Medical Professional Liability
  • Occurrence Commercial General Liability (available with PL)
  • Limits of up to $10M annual aggregate ($5M for individuals)
  • First Dollar Defense costs and expenses in addition to the limit of liability (excluding US)
  • Broad definition of the named insured - including students & volunteers (while working under direct supervision of the professional)
  • Good samaritan acts

Target Classes

  • Primary medical care centers/clinics
  • Nursing homes and long term care
  • Senior care facilities/residences
  • Assisted living facilities - level 1 to 3
  • Rural hospitals/surgical centres
  • Wellness spas and salons
  • Cosmetic clinics
  • Medical centres and walk-in clinics
  • Allied health including (but not limited to) ambulatory care, audiology, blood banks, clinical research/trials, cosmetics & laser practitioners/clinics, dentistry, substance abuse, rehabilitations centres/clinics, occupational therapy, optometry, orthotics, pharmacy & pharmacists, phlebotomy rehab, physiotherapy, registered nurses - botox & derma fillers
  • Alternative therapist: Naturopathic/Chinese medicine
  • Counsellors including mental health counsellors
  • Specialist care

Lines of Cover

  • Medical Malpractice - coverage for individual medical professionals
  • Package policies including Commercial General Liability/Property/Equipment Breakdown/Crime are available

Highlights

  • Claims made professional liability
  • Occurrence Commercial General Liability
  • Costs and expenses in addition
  • Supplemental payments including criminal defence costs, reimbursement of professional hearing, medical expenses
  • Option to include coverage in the US
  • Broad definition of the named insured - including students and volunteers
  • First dollar defence
  • Built-in extensions
  • Broad appetite/coverage

Our offering includes

  • Claims-made Professional Liability
  • Occurrence Commercial General Liability (available with PL) - cover is for office and no manual/hands-on work
  • Limits up to $10M annual aggregate
  • First Dollar Defense
  • Costs and expenses in addition to the limit of liability (excluding US)
  • Full Prior Acts available
  • Built-in extensions
  • US exposure - up to 25%; overseas exposure - up to 50%
  • Broad appetite/coverage

Products

  • Architects/Engineers (Design Professionals)
  • Miscellaneous E&O
  • Combined E&O/D&O form: non-profit entities, including outside directorship, employment practices and non pension benefit liability
  • Design/Build contractors
  • Product manufacturers and suppliers

Target Classes

  • Architects
  • Electrical engineers
  • Civil engineers
  • Mechanical/HVAC engineers
  • Project/construction managers
  • Forensic/expert witness
  • Geologists/hydrologists
  • Land surveyors
  • Design/build contractors
  • Product manufacturers and suppliers
  • Not-for-profit entities
Wide range of miscellaneous E&O classes, including but not limited to:
  • Consulting firms,
  • Graphic designers
  • Translators & interpreters
  • Counseling & advice services
  • Management consultants (non-financial)
  • Property managers
  • Health & safety consultants
  • Non-destructive testing services
  • Quality assurance & control services

Our offering includes

  • Technology Errors & Omissions
  • Cyber Liability & Network Security Liability
  • Privacy Breach Costs
  • Worldwide Coverage
  • Limits up to 5,000,000 annual aggregate
  • Defense Costs in addition to or included within the limit
  • First Dollar Defense limit
  • Commercial General Liability and Property coverage available in conjunction with E&O

Target Classes

IT firms involved in a wide variety of disciplines can be considered, including but not limited to the following
  • IT contractors/consultants
  • Software houses
  • Hardware suppliers
  • Systems integrators
  • Telecommunications companies
  • Website designers
  • IT services providers - hosting/application service provision/managed services

 


 

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Professional