Liability Insurance for Acupuncture
& Traditional Chinese Medicine Professionals



Your complementary health team, along with our colleagues at LMI Canada Insurance, have joined BrokerLink!

You are still able to apply or renew your complementary health insurance policy online during this time, click “Manage Your Policy” above.

Office Closed to In-Person Visits Due to COVID-19

Our highest priority is the health and safety of our clients & staff and their families, as well as those in our network including our suppliers and company partners. Wait times may be longer than normal and we thank you for your understanding and patience.


What’s included in the Individual Professional and General Liability Insurance Policy?

Our Acupuncture policies are designed with a few options, please select the option that best suites your business needs or contact our Complementary Health department to speak to a broker who can assist you with understanding what coverages will best suit your business structure.

Professional Liability – Which is any claim brought forth through your actions or non-actions. For example: you cause injury to a third party during the course of your professional service. Limit options are $1,000,000, $2,000,000  or  $5,000,000.

$100,000 Legal Expense Coverage . Applies to allegations of sexual, physical, or verbal abuse.  This coverage will reimburse you for legal expenses in the defense of an allegation, provided you plead not guilty and are found not guilty. Excluding criminal defence costs.  Claims must be reported within 60 days of being notified of an allegation.

$10,000 Criminal Defense Cost Reimbursement. This is any allegation, complaint, charge, or relief claimed in connection with a “Criminal Proceeding,  but only if such proceeding arises because of the manner in which you have conduct yourself within your Practice and only if the defence of such action, suit or proceeding is fully successful(you plead not guilty and are found not guilty)

Commercial General Liability  (Optional Coverage) – Which is any claim brought forth by bodily injury or property damage you cause to a third party, and for situations that are not in your control. For example, if someone were to slip and fall coming to your appointment. Limit options are $1,000,000, $2,000,000  or  $5,000,000.

$500,000 Tenants Legal Liability (Coverage included only under Commercial General Liability) – Damage you may cause to premises you rent or occupy.  It does not cover your equipment.

Legal Guard-24/7 Telephone access to legal information service for questions relating to your business.

$10,000 Personal Protection (Optional Coverage) – If your business is damaged from an insured peril this coverage provides you with a basket of coverage’s including: business equipment, business interruption, glass, property in transit to name a few. Subject to the policy wordings.

Forms definition:

CLAIMS MADE FORM means claims are covered only if there is an active policy in force. Once the policy is cancelled, for any reason, there is then no coverage. You can purchase trailing policies designed to last 2 to 5 years after you have cancelled your policy. Extended Reporting period options are available should you require to cancel your policy.

Claims:  We cannot accurately provide advice as to coverage for a potential or actual claim without the policy language, the facts of the claim and an understanding of the applicable law. We cannot provide advisory coverage positions without a claim.

Should you feel you have a potential claim, please contact our office to submit the information and the Claims Department at Novex/Intact insurance will commence an investigation.

Please contact us at info@iNeedaPolicy.com or call 1-800-265-2625 for more information.

Disclaimer: The content on our website is provided for general information purposes only and we make no representations, warranties, or guarantees, whether express or implied, about same. The content on our website is not intended to be advice on which you should rely. You should obtain professional advice from a licensed insurance broker and refer to the specific policy of insurance before taking, or refraining from taking, any action on the basis of the content on our website. Your use of the website is at your own risk and Lackner McLennan Insurance Ltd. does not have any responsibility or liability for your use of, or reliance on, this website.