Errors & Omissions Insurance

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Medical Malpractice

A focus at Victor for many years, our Errors and Omissions (E&O) insurance for medical risks is designed to address the unique coverage requirements for professionals in this industry.


The following provides examples of a few of the medical professions eligible for Victor'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 – Claims-made and reported
  • 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

  • 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)
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

  • Employment practices wrongful act liability coverage endorsement available for firms with less than 50 employees

Submission Requirements

Profession-specific applications: