• Marketing Kit – E&O for Health Care Professionals & 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: