Insurance Coverage for Reflexologists

Professional Malpractice Liability and General Liability
Insurance package is available from OCR which is provided by:

Impact Insurance Brokers Inc.

Now updated for 2010! The fee remains unchanged!

Please note that the above insurance company requires that the Reflexologist be certified by OCR and is a current member of OCR in good standing.

 Impact Insurance Brokers Inc.
1600 Steeles Avenue West, Suite 214,
Concord, Ontario
L4K 4M2
Local:  905- 660-6170     Fax:  905- 660-6175
1-877-238-7054
www.impactinsurance.com
 

To download the Application for Professional Malpractice and General Liability Insurance,
go here - PDF format (609k) 

OR

To apply on-line, go to: https://www.ocr.edu/newinsurance2.htm

We are pleased to announce that we are administering this insurance program. The annual cost is $241.16 and is available to all OCR certified reflexologists who are a current member in good standing. Coverage is available anywhere in Canada.
 

The policy offers $2 million general liability and $2 million professional liability for a cost of $241.16 including taxes.

This policy covers OCR Certified Foot Reflexologists, practicing the following modalities: Acupressure, Aromatherapy, Bowen Technique, Craniosacral, Hot Stone Massage, Ion Foot Cleanse, Iridology, Polarity Therapy, Reiki, Reflexology, Shiatsu Thai Massage, Therapeutic Touch, Reflexology, Qi Gong, Swedish Massage, Relaxation/Chair Massage and Touch for Health.

Any OCR certified member in good standing may apply for this insurance coverage. Current and certified membership in the OCR is the only requirement to apply for this coverage. Membership in other organizations is not a requirement of this insurance policy.

The OCR recommends that a practicing Reflexologist should carry Professional AND General liability insurance. EXAMPLE: If you injure a client during a treatment, this is a professional liability. If your client is injured from a collapsing treatment table, this is a general liability. Please note, the OCR recommends that you carry both, professional and general liability together in order to protect yourself as a professional.

Insured with: ENCON Group Inc.

Our insurance program is designed for the individual Reflexologist operating out of their own home, visiting others in their home or at their place of work or renting a small space. The program only offers coverage for the modalities listed on your certificate. Any other modalities practiced by you are outside of our program. We have therefore, designed our insurance program to include both Commercial General Liability and Medical Malpractice all in one package.

Commercial General Liability ENCON Policy SGL118245
Coverages are offered for your legal liability for bodily injury or property damage caused to third parties. For example - your patient falls while leaving your treatment room and alleges you are responsible for their injuries. The limit for this coverage is $2,000,000 for any one claim and $4,000,000 total in one year for all claims for the group. Coverage is also offered for no fault medical payments of $5,000 per person or $25,000 per accident. Also, coverage is included for Tenants Legal Liability which offers coverage for damage to a premises you occupy that is deemed to be your responsibility. Limit for Tenant’s Legal Liability $500,000 any one loss.

Errors & Omissions Liability – ENCON Policy SRD118245
Coverages are offered for your legal liability for injury arising out of your Insured Services
For example: your patient alleges that you injured them while offering them a specific treatment. The limit for this coverage is $2,000,000 for any one claim and $4,000,000 total in one year for all claims for the group.

Important
Coverage, for Errors & Omissions is written on a claims made basis. You have to notify Impact Insurance Brokers immediately if you believe circumstances may lead to a claim. A claim is a “written or oral demand for money”.

Both policies carry an Abuse and Molestation Exclusion and an Asbestos Exclusion and both policies carry a deductible of $500 for any one loss.

Please note that the information above is only a brief outline of coverages and limits and should only be used as a guide. Coverages are subject to the actual wordings of the master policy held by the OCR.

To download the Application for Professional Malpractice and General Liability Insurance,
go here - PDF format (609k) .