Professional Liability Insurance in Ontario

General liability covers bodily injury and property damage. E&O covers financial loss from a real or alleged mistake in your professional service. Most professional businesses need both.

Prior-acts coverage protects you for work performed before your current policy started. Without it, a claim today about a project from two years ago may not be covered. We arrange prior-acts coverage whenever possible.

Limits depend on your contract terms and client expectations, $1M to $5M is common. We match your limits to the engagements you actually sign so you meet client requirements without overpaying.

Most E&O is claims-made, meaning it responds to claims reported during the policy period, not when the work was done. We explain the difference and arrange the reporting and tail coverage that continuity requires.

A liability cap limits what you owe a client, but it doesn't stop the claim, the defence cost, or a claim from a non-contracting party. We recommend E&O even with contractual limits because the defence alone can be costly.

Tail (extended reporting) coverage lets you report claims after a claims-made policy ends, for work done during it. We arrange tail when you change carriers or wind down a practice so prior work stays protected.

It can, with the right sub-consultant coverage extension. We add it so a subcontractor's alleged error is covered under your policy rather than leaving you to chase their cover.

We coordinate the retroactive date on the new policy with the expiry of the old so prior acts stay covered seamlessly. A misaligned switch can leave years of work uninsured, which we prevent.

E&O defends claims that are alleged, not just proven, so a baseless complaint still triggers defence coverage up to your limit. That matters because the legal cost of defending a false claim can rival a real one.