This coverage provides protection from bodily injury and property damage claims, arising against you which are not contemplated in the malpractice program. Employer's malpractice insurance plans do not cover your personal liability for any professional activities not directly related to your employment, i.e. volunteer work, gratuitous advice, consulting, etc. Hospitals, clinics, as well as other employer's plans do not cover Legal Expense Reimbursement or Criminal Defense Reimbursement covered in this program. Although a malpractice charge may never take you to court, you still may be required to incur legal expenses to defend yourself before the provincial college or regulatory body.
Coverage is on a claims-made basis.
Regardless of when a malpractice incident may have occurred, you only have coverage if you paid your insurance premium for the current year. You can be held personally liable for negligence in providing or failing to provide professional services. Unbeatable rates and coverage exceeding provincial regulatory body requirements. Protects you from claims or suits alleging your malpractice, even if allegations are false. Criminal Defense Reimbursement means you can file for reimbursement of expenses in the investigation and defense of a criminal suit.