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๐Ÿ‡จ๐Ÿ‡ฆ General, Professional & Cyber Liability Insurance for Practitioners

Discover the various types of insurance that you, as a practitioner and/or practice owner, may need and some of the tricks to finding the right policy for you.

Additional Resources:

  • Check out Zensurance to learn more about insurance for your Canadian practice!

Tidbits from the Chat and Q&A

Errors and Omissions (E&O), Professional Liability, and Medical Malpractice (MedMal) all refer to the same type of insurance coverage!

  • Check if your policy covers actual or alleged malpractice.
  • Check if your policy covers virtual/online work.
  • Are you seeing clients outside of your province or country? Check to make sure youโ€™re still covered!
  • Some policies have age limitations; be sure to check, especially if you are working with children.

Commercial General Liability (CGL) and General Liability insurance both refer to coverage for any accidents that could occur on your premises (ex. someone slips and falls in your bathroom).

  • This can often be added on to your policy

Property insurance can also be called Inland Marine insurance. It covers any equipment damaged due to fire, theft, or flood.

  • Donโ€™t try to underinsure your equipment! They wonโ€™t honour the policy if youโ€™ve reported less than you have.
  • Get really specific for larger items! Make sure you have barcodes/serial numbers recorded at the very least.
  • Anything portable (ex. laptops) might not be covered. If you have equipment that employees regularly take off-site, you may need Off-Premises Insurance.

Cybersecurity insurance is generally NOT included in the above policies

  • Incidence Response insurance covers the admin costs if you are hacked and need to respond. The insurance company may even have services to help you manage your response.
  • Check to make sure Privacy Liability is covered in your policy.

Business Interruption insurance helps cover loss of income if your systems are down and you canโ€™t work. This can be included in multiple categories of insurance.

Looking for more Jane Summer School Sessions? You can check out the entire curriculum here!

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