As an osteopathic professional, you are confronted with several well-known risks on a daily basis, such as allegations of professional misconduct, errors or negligence. Several other situations could also make you vulnerable, for example:
- a civil liability lawsuit
- equipment breakdown
- a disaster that damages the premises where you practice
The program offered by Lussier provides you with complete protection thanks to its 3 included components:
- Errors and Omissions Professional Liability
- General Liability Coverage
- Property, including leasehold improvements / computer equipment / home practice
You are protected in the event of:
- Mistakes, errors, omissions or negligence in the performance of an insured professional service for which you would then be held liable
You benefit from privileged conditions:
- No deductible
- Prior acts covered
- Reimbursement of legal fees related to criminal charges from a professional order or association if you are found not guilty
- Security and privacy liability coverage:
- Intellectual property infringement;
- Personal injury related to a network;
- Breach of security and confidentiality
Your policy also covers:
- Services, recognized and accepted (according to the competency framework) including osteopathy on animals
- Your company in its own name
- Your professional services rendered on a Canadian patient while outside of Canada and also when these services are rendered for the promotion of osteopathy or for humanitarian services. The lawsuit must be filed in Canada.
You are protected in case of:
- Bodily injury: damage to a third party in your clinic (2,000,000 $).
- Rental liability: property damage on the premises you occupy or rent (500,000$).
You are protected in case of:
- Property damage to your business property or equipment
- Water damage due to a sewer backup
- Business interruption due to damage to your equipment
- Decreasing deductibles
- No deductible for hit-and-run accidents
- A claims service available 24 hours a day, 7 days a week, with support throughout the settlement of the claim
- A dedicated broker at your disposal to best meet your needs
The OSTEOPRO program allows you to subscribe to various group or à la carte benefits.
- Long-term Disability
- Critical Illness
- General Expenses
- Medication
- Complementary Illness
- Dental Care
