Who are
the insureds?
- The Professional Order;
- All members in good
standing of the Professional Order who participate in the professional liability program;
- Former members in good
standing of the Professional Order for losses resulting from professional services
rendered while they were members in good standing and participated in the Order's
professional liability insurance program;
- Any nurse benefiting
from a special authorization issued by the Order;
- Any person authorized
to exercise professional activities by virtue of a regulation adopted by the Bureau
of the Order under section 94 h) of the Professional Code and approved by the government;
- Any specialized nurse
practitioner candidate during the period in which he or she is eligible to sit the
specialty examination;
- Any student duly matriculated
and registered in a program leading to the obtaining of a diploma granting entitlement
to a permit from the Order;
- Any of the aforementioned
persons' legal heirs or assigns;
- The company owned by
one or more insured members in good standing:
- when proceedings
are brought with regard to the professional activities of this or these members;
- when proceedings
are brought with regard to the professional activities of company employees who
are members in good standing and have enrolled in the professional liability plan
of the named insured.
Summary
of your coverage
We
insure:
Your professional liability:
- Namely
for the payment of compensatory damages that you may be required to
pay to third-parties as a result of a claim received by you and filed
with La Capitale during the period extending from April 1, 2010 until March 31, 2011 and arising from fault, negligence, or a lack of care
or skill in the performance of your insured professional activities;
- Additionally, we shall
notably assume your expenses for defence in such litigation involving professional
liability.
Your expenses for defence
before a criminal jurisdiction:
- Namely the reimbursement
of your expenses for defence and professional fees in any action taken against you
before a court of criminal jurisdiction following the exercising of professional activities,
except if you plead guilty or are declared guilty by judgment having the binding force
of he matter adjudged.
Your expenses for defence
involving illegal practice :
- Namely the reimbursement
of expenses for defence and professional fees that you may incur in any action taken
against you for the illegal practice of another profession, except if you plead guilty
or are declared guilty by judgment having the binding force of the matter adjudged.
Your expenses for legal
assistance before the coroner :
- Namely the reimbursement
of your legal expenses for assistance involving any appearance as an interested party
before a coroner's enquiry or an enquiry or similar special commission within the
framework of or during the exercising of your professional activities, excluding however
cases in which you are called upon to act as expert witness on such occasions.
What
activities are insured?
All professional services
rendered or that should have been rendered, directly or indirectly, by the insured in
connection with the nursing profession as well as alternative practices recognized by
the Order. These services include, among others, teaching, research, supervision, monitoring,
opinions and counselling, as well as services rendered in a training program.
Insured activities are
those performed in Canada as well as activities that are additionally or occasionally
performed outside the country which may lead to legal action taken against you in Canada.
Insurance limits:
Your professional liability
is insured up to the following limits:
- Nurses
| Limit
per loss |
$1,000,000 |
| Limit
per policy period |
$3,000,000 |
- Specialized nurse
practitioners and specialized nurse practitioner candidates
| Limit
per loss |
$5,000,000 |
| Limit
per policy period |
$5,000,000 |
- Your expenses
for defence before a criminal jurisdiction such expenses include $50,000
per insured.
- Your expenses
for defence involving illegal practice such expenses are covered up
to $25,000 per insured.
- Your expenses
for legal assistance before the coroner such expenses are covered up
to $25,000 per insured.
In the
case of loss
Your main obligations
- You must refrain from
admitting any liability and/or engaging in any expense or negotiation of your own
initiative;
- You must necessarily
report to your insurer any fact or circumstance that may give rise to a claim as soon
as you become aware of such matters;
- You must provide your
insurer with support and cooperation in the conducting of any enquiry and possible
legal proceedings;
La Capitale
General Insurance Inc.
Édifice
le Delta 3
2875, boul. Laurier, bureau 400
Québec (Québec), G1V 2M2
As soon as you become
aware of any fact or circumstance, please contact your insurer at:
Toll free: 1 866 906-2120
For
further information
For further
information pertaining to your Order's professional liability insurance program, please
contact your insurer at:
Quebec:
418 266-9600
Toll free: 1 800 644-0607
Optional and at your
expense
"Multiperil insurance: No question of doing without
it!"
For a few extra dollars,
we offer you supplemental insurance coverage. If your profession causes you to offer
your services on an individual basis, such as a self-employed worker, you then need
coverage customized to your professional needs.
Our multiperil insurance
covers:
- Office contents;
- Computer hardware as
well as software;
- Important documents;
- Loss of income incurred
while restoration work is underway;
- Personal injuries;
- Embezzlement, disappearance
or destruction of money;
- Civil and tenant's liability.
As your business grows
or undergoes transformations, you may add on optional coverage. As such, you will customized
your multiperil insurance to meet your needs!
For more details, feel
free to contact any of our agents who will make it their duty to understand your situation
in order to offer you products adapted to your realities.
Quebec:
418 266-9600
Toll
free: 1 800 644-0607
The purpose
of this document is to present you the main features of your professional liability
insurance program. The insurance contract contains certain restrictions. At all times,
the policy alone may be used to determine the rights and obligations of the contracting
parties.
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