If you are a professional and give professional advice, you need an Errors and Omissions (E&O) indemnity policy. You can use this website to buy a complete E&O insurance package, including General Liability, Office Contents, and even Cyber Insurance. A Certificate of Insurance is issued to you as the Named Insured, that a policy is in place to cover your professional negligence error or omission.
Your certificate of insurance is valid for all normal requirements of insurance including:
- Making primary contrators the Certificate Holder.
- Including Additional Insured to meet contractual requirements.
Once you create a certificate of insurance, there is a total available limit of Liability in MILLIONS OF CAD$ to defend you against claims of negligence, causing financial loss (E&O), bodily injury, or property damage sustained by a 3rd party (CGL).
Canadian Professionals The territory for this policy is your Canadian operations not exceeding 25% foreign revenue.
Contractor coverage Covers claims made against you if you are named in a law suit involving other contractors.
$500,000 Tenants Legal Liability If you cause damage to the space you are renting or leasing.
Fast Claims Settlement. Our carrier is committed to client advocacy and provides 24/7 customer support. We make sure all your questions are answered and our professional agents will walk you through any issue that may arise.
What’s Not Covered
The policy exclusions are found in our wordings. Exclusions outline reasons why a claim could be denied. Listed below are key exclusions found in these wordings:
Warranty: By purchasing this policy, the Named Insured agrees to the following warranties:
No coverage for borrowed or rented property.
No Unauthorized Operations Insurance will not protect you when you are conducting undisclosed, unauthorized or illegal operations.
No Employer's Liability Claims made against you by your employees are not covered. By law, you must register all staff with your provincial worker's compensation board.
No explosives, open flame or incindiary devices. Any use of incendiary devices, of any kind, is an absolute exclusion.
No Temporary Structures All claims made against you as a result of the assembly of stages, bleachers, tents, rigging of anything overhead, scaffolding, cranes, ladders over twelve feet in height, use of aircraft or watercraft, and the use of animals, are excluded.
Any changes or cancellations made after policy issuance must be requested at the changes order form.