Medical Malpractice/Health Care Professionals and Facilities 


Medical professionals help to improve the quality of life for all Canadians, but in so doing, they are exposed to a range of potential liability exposures. A focus at ENCON for many years, Errors and Omissions (E&O) insurance for medical risks protects professionals in this industry against allegations of errors, omissions and negligent acts.

Eligibility

The following provides examples of a few of the medical professions eligible for ENCON’s E&O insurance:

  • Acupuncturists
  • Ambulance attendants
  • Audiologists
  • Chiropractors
  • CPR instructors
  • Dental clinics
  • Dentists
  • Diagnostic laboratories
  • Health institutions
  • Massage therapists
  • Medical clinics
  • Medical consultants
  • Medical doctors
  • Medical first responders
  • Nurses
  • Nursing placement agencies
  • Occupational therapists
  • Opticians/Optometrists
  • Physiotherapists
  • Psychologists
  • Radiologists
  • Rehabilitation consultants
  • Respiratory therapists
  • Veterinarians

Coverage Details

  • Policy Form – The insurance is written on a claims-made and reported basis
  • Policy Period – Annual and multi-year policies
  • Capacity – Limits up to $5,000,000 with higher limits available upon request
  • Territory – Coverage for claims made anywhere in the world, with duty to defend in Canada and the United States of America

Policy Features

  • Broad definition of insured
  • Broad definition of insured services
  • First dollar defence coverage (deductible does not apply to defence costs)
  • Split damages deductible
  • Loss of earnings coverage for an insured when requested to attend discoveries, mediation and/ or trial as part of the defence of a claim (subject to applicable sublimit)
  • CGL insurance is available for E&O policyholders

Additional Policy Features for Small Firms*

Coverage is available for small firms with annual revenues of less than $2,000,000 that are claims free. Maximum limit of $2,000,000.

  • Defence costs are excess of the limit
  • Zero dollar deductible

* With the exception of E&O Insurance for Health Institutions

Additional Coverages Available
Submission Requirements

Profession-specific applications: