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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.
Eligibility
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
- A completed profession-specific Victor E&O application form (see list below) or a completed generic Victor Errors and Omissions Insurance application form