Insurance for healthcare professionals in Quebec

Health clinic insurance is an important topic for clinic owners, physicians and patients. Health clinics, such as dental clinics, general clinics, obstetrics and gynecology clinics, ophthalmology clinics, orthopedic clinics, pediatric clinics, skin care clinics, rehabilitation clinics, pain management clinics, psysiotherapists, kinesiologists, massage therapists, veterinary clinics and mental health clinics, are all subject to potential risks, such as accidents, illness and litigation.

Insurance can help cover these risks and protect the clinic, employees and patients in the event of damage or financial loss. There are different types of insurance available for healthcare clinics, including public liability insurance, professional illness insurance, property insurance and employee insurance.

Liability insurance is important to cover damage caused to third parties, such as patients, visitors or third parties. This includes damage caused by medical errors, accidents on the premises and product defects.

Occupational illness insurance is important for doctors and clinic employees, as it covers medical expenses in the event of illness or accident occurring in the course of their work.

Property insurance is important to cover financial losses caused by events such as fire, flood, theft and weather damage.

Here are the main coverages offered:

Professional liability insurance (medical errors, malpractice)
Liability insurance (injury or damage to a patient)
Commercial property insurance (building, furniture, medical equipment)
Cyber risk insurance (protection of medical records and data)
Business interruption insurance (loss of income in the event of a claim)

In a nutshell, insurance is essential for healthcare clinics to cover potential risks and protect clinic owners, physicians and patients. It's important to understand the different types of insurance available and choose the one that best suits your clinic's needs.

Is it possible to change insurers during the year?

Yes, you can change insurance at any time, but it's a good idea to check the cancellation conditions of your current contract.

Why does a health clinic need insurance?

A healthcare clinic needs to be protected against a variety of risks: medical errors, equipment breakdowns, cyber-attacks, civil liability and property damage. Appropriate insurance guarantees continuity of service in the event of an incident.