Malpractice Insurance

Clinical practice deserves clinical-grade coverage.

Malpractice insurance is professional liability for health practice: allegations of injury, misdiagnosis, or treatment error, plus the regulatory college proceedings that arrive far more often than lawsuits. Every regulated practitioner needs it; many colleges mandate it.

We arrange malpractice across the regulated health professions — matched to your college's requirements and your actual scope of practice.

What's covered

Professional liability for treatment and clinical errors
Regulatory college proceeding defence costs
Coverage matched to college-mandated minimums
Good-samaritan and first-aid acts coverage
Telehealth and virtual practice extensions
Tail and retirement coverage options

Good to know

Frequently asked questions

Which health professionals need malpractice insurance in Ontario?: Most regulated professions require it for registration — psychotherapists, physiotherapists, massage therapists, acupuncturists, and many more, at limits their college sets. We keep placements aligned with each college's current bylaw.
Does malpractice cover a college complaint if no one sues me?: With regulatory defence coverage, yes — college proceedings are the profession's most common legal event, and funding representation for them is the coverage's most-used feature.
What happens to my coverage when I retire?: Claims can arrive after you stop practicing — tail (extended reporting) coverage keeps protection alive for prior work. We build the exit plan into the policy rather than improvising it later.

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Frequently asked questions

Which health professionals need malpractice insurance in Ontario?

Most regulated professions require it for registration — psychotherapists, physiotherapists, massage therapists, acupuncturists, and many more, at limits their college sets. We keep placements aligned with each college's current bylaw.

Does malpractice cover a college complaint if no one sues me?

With regulatory defence coverage, yes — college proceedings are the profession's most common legal event, and funding representation for them is the coverage's most-used feature.

What happens to my coverage when I retire?

Claims can arrive after you stop practicing — tail (extended reporting) coverage keeps protection alive for prior work. We build the exit plan into the policy rather than improvising it later.