Who are
the insureds?
- The Professional of
OPPQ;
- All members in good
standing of the Professional Order;
- 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;
- Trainees awaiting their
permit under the supervision of an insured member in good standing, within the member’s
field of practice;
- Employees working under
the supervision of an insured member in good standing;
- Any of the aforementioned
persons' legal heirs or assigns;
- The company in which
a member in good standing is an owner.
Summary
of 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, 2009 until
March 31, 2010 and arising from fault, negligence, or a lack of care
or skill in the performance of your insured professional activities;
- Additionally, we cover
the expenses for your defence in such litigation involving professional liability.
Your expenses for defence
before a criminal jurisdiction:
- Namely the reimbursement
of your expenses for defence 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 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?
These include professional
activities that are in your field of practice and are performed in Canada as well as
activities that are additionally or occasionally performed outside Canada which may
lead to legal action taken against you in Canada. This includes teaching, supervision,
opinions and consultations.
Limits of liability:
Your professional liability
is insured up to $3,000,000 per loss and $3,000,000 for all losses per
policy period.
- Your expenses for defence
before a criminal jurisdiction:
Such expenses include $50,000 per insured and $300,000 per policy period
for all insureds.
- Your expenses for defence
involving illegal practice:
Such expenses are covered up to $25,000 per insured and $200,000 per
policy period for all insureds.
- Your expenses for legal
assistance before the coroner:
Such expenses are covered up to $25,000 per insured and $200,000 per
policy period for all insureds.
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 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;
- You must transmit any
notice of claim as well as any judicial procedure that may be served on you to:
La Capitale General Insurance
Inc.
525, René-Lévesque Blvd E, 6th Floor
P.O. Box 17100, Quebec QC G1K 9E2
Inform
your insurer
- As soon as you become
aware of any fact or circumstance, please contact your insurer at:
Toll
free: 1 866 906-2120
For
additional information
For additional
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
Additional
coverage at your service
“Legal Access Insurance”
All clients who have automobile
or home insurance with La Capitale may sign up for Legal Access Insurance at a very
modest cost. It is, without a doubt, the best way to stand up for your rights without
having to support all the legal expenses.
For a few dollars a year,
Legal Access Insurance is the insurance that has the mandate to protect and defend your
rights.
- Consultation in any
legal discipline;
- Legal advisor of your
choice (lawyer or notary);
- Coverage up to $5,000
per covered dispute and up to $15,000 per insurance period according to the terms
and conditions provided in the contract.
Legal disciplines covered:
- Ownership and home;
- Labour;
- Bodily Injuries and
Property Damages;
- Consumer Affairs;
- Income Security.
Legal consultations coverage
for the settlement of estates or set up of an adult guardianship regime for the insured.
The Legal Access Insurance
does not cover all disputes, for instance those related to your professional Corporation.
For
further information
Feel free to contact our
agents who will do their utmost to offer you products suited to your needs.
1
888 522-2748
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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