Professional Liability Insurance  

If your product is a professional service you need the right insurance to protect yourself against claims related to your delivery of those professional services. In the health services and personal care field this is considered malpractice protection. In other professional service industries the coverage protects you against a claim for error, omission, or negligence in the performance of your professional service, also known as Errors and Omissions Insurance (E & O Insurance). 

Other industries are surprised to learn they too are at risk for exposure to professional liability risks via outsourcing, online financial transactions, and intellectual property issues.  

Coverage is specific to your needs and designed for your unique business operations such as optometrists and opticians, chiropodists, consultants, veterinarians, funeral homes, accountants, building engineers, and home inspectors to name a few. 

This coverage is beyond the scope of your General Liability Insurance policy. 

If there is potential for a client to sue you one day because of any form of loss that may occur to them because of your advice or services, then professional liability insurance (errors and omissions insurance) is an absolute must for your business.

Privacy and Security Breach Insurance

Any business that handles or stores private business, customer, patient or employee information is at risk of having a privacy and/or security breach. You will be required by law to take action or you could face the possibility of civil litigation and other penalties.
A privacy breach could arise from something as simple to avoid as improper document or office equipment disposal.

Here’s a story that illustrates how a basic $100 premium payment a year Privacy Breach Insurance Policy can help protect you and your business through a typical Cyber Endorsement.

Property Manager Loses Tenant Applications

A Property Manager for a large number of apartment buildings in the Greater Toronto Area mistakenly threw out several boxes containing closed tenant applications, rather than having them confidentially shredded. Prior to the accidental disposal, the documents were electronically scanned.

Working with the business’s general counsel, a letter was drafted to notify the affected applicants without causing panic. All affected customers were also enrolled in credit monitoring services that would ensure that their information wasn't misused.

Through the use of Privacy Breach Response Services we can help you with:

Other Insurance Coverage to Consider

GENERAL BUSINESS INSURANCE

Protect your business property and assets as well as your reputation from lawsuits, accidents and more.

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INFORMATION TECHNOLOGY INSURANCE

Coverage for special risks and strict regulations - disclaimers, copyrights, confidentiality, e-commerce financial exposures. We have the safeguard you need.

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GROUP BENEFITS & LIFE INSURANCE

Coverage for health care, dental care, short term or long term disability, life insurance for any size businesses operation.

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