Business owners face unique risks that could land them in legal trouble. With our industry expertise and a substantial network of top brokers, we can help protect your company with the right liability insurance.
Health & Social Services Insurance
As a professional in health and social services, you provide specialized care to those that need it most. Whether you provide counselling, long-term care, operate a medical lab or run a cultural institution, your business is exposed to a unique set of risks.
We can provide you with a tailored policy to address sensitive issues like abuse allegation and help protect you from other liability concerns, such as property damage.
What types of providers need insurance?
The work you do helps build stronger and safer communities. We understand that health and social service providers face challenging situations. As rules and regulations are implemented and best practices evolve, we’re here to help your business make the most informed decisions about how to protect your employees and the people you care for.
- Ambulance Services
- Assisted Living
- Cultural Institutions
- General Hospitals
- Medical Labs & Clinics
- Mental Health Services
- Nursing Homes & Long-Term Care
- Public Health Units
- Rehabilitation Clinics
- Religious Institutions
What types of insurance do health and social service providers need?
Your industry is about people – the people who are receiving a service, and the staff that provide it. In the event of loss or damage, it’s important that your business can get back up and running as soon as possible, because the services you provide are essential. Here are few types of coverages you may want to consider:
If a patient were to slip, fall and injure themselves at your clinic, you could be found liable and responsible for their compensation. Commercial general liability (CGL) insurance can help support you in this situation and can help you avoid substantial legal fees. It’s designed to cover your business if a third party suffers bodily injury or property damage wherever your business operates.
There are other helpful coverages you can add to your policy to protect your business, including:
What can you expect from your policy?
Our underwriting team understands the exposures in the education sector, so we can adapt and expand our offerings as our customers’ needs grow.
Our Assist Services
On top of our comprehensive core coverage and exceptional customer service, your business insurance policy grants you access to our Assist Services* for extra peace of mind.
Legal AssistNeed legal advice? You have unlimited telephone access to legal guidance and insight on a wide variety of legal topics related to your business – no question is too small!
Trauma AssistLosses can bring extreme emotional fallout, so we offer access to confidential 24-hour counselling to help our customers, their employees, and their family members cope.
Risk Management AssistOur team of Risk Services specialists is at your service: customers can enjoy unlimited telephone access to experts who can help mitigate risks with advice and guidance on a range of loss prevention topics.
Cyber AssistWe’ve partnered with CyberScout, a leading data risk management service provider, to offer consultation on data and cyber risk management, including proactive measures to protect your business and reactive measures to help you recover from a breach. This service is available for customers who have purchased our cyber coverage.
Unparalleled industry expertise, professional guidance, and innovative approaches to managing risk help our Northbridge Risk Services experts stay one step ahead of the crowd. Each year, our team conducts over 5,000 risk assessments and service calls for businesses across Canada. Our onsite assessments are complemented by a selection of in-depth training programs and educational tools to help companies excel in their industries.
Our Risk Services team offers technical publications to help you gain a better understanding of the potential exposures in your industry, and they can provide personal guidance to help fine-tune your daily operations. Find out more about what our experts can do for your business here.
Resources for Health & Social Services
Have you considered what would happen if something caused you to close up shop or suspend production for a while? Are you sure your business could survive the setback? Learn why business interruption insurance is so important to keep your company going.
Uh oh. A power failure has just shut down your shop during a crucial production run. Or maybe a midnight flood has left your office
* Legal Assist not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and provided by Assistenza International, through lawyers licensed in your jurisdiction. Risk Management Assist provided by our Risk Services specialists and are intended to augment your internal safety, compliance and risk management practices, and are not a substitute for professional or legal advice. Trauma Assist provided by independent third-party professionals, long-term and specialized counseling not included. Cyber Assist provided by CyberScout services are not included in any cyber extension or endorsements. Services are not an insurance policy, not all policies are eligible, contact us for details.