PHSG Insurance Program for Professional Holistic and Complementary Practitioners

In connection with Aon Risk Solutions™ we are pleased to offer Professional Malpractice and Commercial General Liability Insurance. Our insurance program is designed for individual practitioners and provides you protection against third party claims arising from your practice. Insurance under this policy is provided for Practitioners of the Modalities specified who have successfully completed the requisite training and are certified by an applicable School or Association.

Coverage is exclusively available only through PHSG and is affected with certain Underwriters at Lloyd’s, London, England.

Our policy offers:

• Professional Liability - $2,000,000
• Commercial General Liability - $2,000,000 /No Limit for the Group
• Worldwide coverage
• Professional Liability annual premiums starting as low as $135 + annual PHSG fee
• Limits available up to $5,000,000 per claim.
• $1,000 deductible for Professional and $500 for Commercial General Liability.
• Over 80 covered modalities. Please see list of Modalities on the application. The underwriter can approve new modalities.
• Teaching extension
• Student extension
• Property coverage extension (content limits available from $5,000 to $500,000)
• Business Interruption
• Crime-Employee Dishonesty

On the same policy you get coverage for:

Professional Negligence Coverage:

• Per Claim Limit of Liability $2,000,000
• Annual Aggregate Limit of Liability $2,000,000
• Libel and Slander Extension
• Loss of Documents Extension
• Breach of Copyright Extension
• Breach of Warranty of Authority Extension
• Continuous Cover Extension
• Run off Cover Extension
• Locums Extension (up to 30 days per year)

Commercial general Liability:

• Bodily Injury & Property Damage $2,000,000 each occurrence
• Personal Injury $2,000,000 each offence
• Aggregate limits of Insurance $2,000,000 each policy period
• Coverage for third party claims due to bodily injury or property damage
• Advertising Injury $250,000 each offence
• Medical Payments $25,000 any one person
• Tenant’s Legal Liability $500,000 each occurrence

To learn more about this invaluable program please contact: Aon Risk Solutions, Preventative Health Services at 1-866-335-5551 or at phsg@aon.ca