Health, Wellness and Life Sciences Insurance

In the course of your professional activities, property damage or injuries to a third party may sometimes occur despite all precautions taken. Liability insurance can protect you in the event of a claim arising from a covered event and help cover the costs that may result.

Your equipment and facilities are essential to the continuity of your operations. This protection can cover your offices, clinics, laboratories, or other premises against covered risks, such as fire, certain water damage, wind, or vandalism. It can also protect your computer equipment, servers, specialized devices, and other property essential to your operations against certain covered damages.

When a covered loss results in a slowdown or temporary cessation of your operations, the financial consequences can quickly accumulate. Loss of income insurance can help compensate for a portion of lost revenue and cover certain expenses during the period necessary to resume your operations.

Protects your business against certain claims arising from an alleged error, omission, or negligence in the provision of your professional services, when this protection is offered.

Patient records, confidential information, and professional data are essential to the continuity of your operations. This protection can cover certain professional documents, client or patient records, as well as important data for your organization, depending on the coverage selected.

Following a covered loss, certain unforeseen expenses may be necessary to maintain your operations or reduce the impacts of an interruption. This protection can cover certain additional costs incurred to continue your operations or resume your activities more quickly.

Professional travel is often an integral part of your operations. Whether it’s to meet clients, make deliveries, or transport equipment, your vehicles play an essential role in the smooth operation of your business. Commercial vehicle insurance can cover property damage and liability arising from an accident involving an insured vehicle, to help you maintain your operations with confidence.

Technology and data play an essential role in the operations of many businesses. A cyberattack, computer hacking, or data breach can result in service interruptions, financial losses, and significant impacts on your operations. Cyber risk insurance can help cover certain costs related to data recovery, crisis management, business interruptions, as well as claims arising from a covered computer incident.

Depending on your business needs, several complementary protections can be added to your policy. For example, replacement cost coverage allows for the replacement of certain eligible property or equipment without taking into account their depreciation, according to the terms provided in the policy. Extra expense protection can cover certain expenses incurred to maintain your operations or resume your activities more quickly after a covered loss.