Errors & Omissions > Medical Malpractice/Health Care Facilities and Professionals


Medical Malpractice/Health Care Facilities and Professionals 


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:

  • Ambulance attendants
  • Acupuncturists
  • Audiologists
  • Chiropractors
  • CPR instructors
  • Dental clinics
  • Dentists
  • Diagnostic laboratories
  • Hospitals
  • Massage therapists
  • Medical clinics
  • Medical consultants
  • Medical doctors
  • Medical first responders
  • Nurses
  • Nursing homes
  • Occupational therapists
  • Opticians/Optometrists
  • Physiotherapists
  • Placement agencies for nursing personnel
  • Psychologists
  • Radiologists
  • Rehabilitation consultants
  • Respiratory therapists
  • Veterinarians

Coverage Details

  • Policy Form – The insurance is written on a claims-made basis
  • Policy Period – Annual and multi-year policies
  • Capacity – Limits up to $5,000,000 with higher limits available upon request
  • Territory – Services rendered anywhere in the world, however, suits or judicial proceedings must first be brought against the insured in Canada

Policy Features

  • Broad definition of insured
  • Broad definition of insured services
  • CGL insurance is available for E&O policyholders

Additional Coverages Available

Submission Requirements

Profession-specific applications: