You've got questions. We've got the answers.
Yes. A practicing member must carry, maintain and provide to the College proof of professional liability insurance. If for any reason the member fails or ceases to hold professional liability insurance, the Registrar may suspend the member’s certificate of registration. For details of this policy, please visit www.ctcmpao.on.ca
You should always buy as much coverage as you can afford. Some venues may require that you carry a specific limit. You should always check with the landlord if you are renting space to see if a specific limit is required.
Both Professional Liability Insurance and General Liability Insurance can be purchased separately in the same insurance program. The Professional Liability insurance is a ‘Claims Made’ form while the General Liability is an ‘Occurrence Form’.
Yes. Our policy is designed to provide coverage wherever you work in Canada, including from your home or even if you provide a private session in someone else’s home. The coverage is not specific to one location but is provided to you as an individual and travels with you wherever you work.
We can insure more than 101 modalities, most at no additional premium. We will require a copy of your certificate of training for each modality. For specific questions regarding the modalities you practice, please send us an email – info@iNeedaPolicy.com. NOTE: We no longer accept .zip files.
You can apply online
Applying online is the fastest way of setting up your insurance. Visit apply.ineedapolicy.com and complete the online application. If you have questions please email us info@iNeedaPolicy.com. You can also send it by regular post or come by our office.
Payment can be made by personal cheque, money order and by VISA or MASTERCARD. We require the card number and expiry date. Please make sure you include your payment with your application.
All cheques must be payable to Lackner McLennan Insurance.
The insurance premium is NOT subject to HST, however is subject to Ontario 8%PST.
Since professional liability policies are written on a “claims made basis”, once you lapse or cancel your policy, the work that has been performed in the past will no longer have coverage. To solve this problem, we offer the extended reporting coverage. If any claims come in after you have retired, with the extended reporting coverage, they will be covered if they arise from your business activities while you had coverage in effect. This coverage would ensure that any late claims are still covered while the extended reporting coverage is in effect. You must contact us to arrange this coverage, and an additional fee will apply.
We welcome members of all TCM Associations. However, in order to enroll in this insurance program, the applicant must be registered with the College of Traditional Chinese Medicine Practitioners and Acupuncturists of Ontario (CTCMPAO) in good standing with a specific title and designation.
Claims Made policies are like term life insurance. When you stop paying, the coverage stops forever. If a claim is proven to have occurred during the time of the policy period, you have no coverage. Please contact our office for more details.