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Professional Liability – Errors & Omissions Insurance 

Policy features include:

• Broad coverage to protect you as a Doula
• Duty to defend actual or alleged claims or lawsuits brought against you.
• Pays legal defense costs and compensatory damages, if you are found liable.
• Liability coverage available from $1,000,000 per claim.
• Claim made insurance policy.

Commercial General Liability (CGL) Insurance

This type of liability coverage is designed to protect you from claims that arise from your negligence that is not professional in nature. The policy covers you at your premises and extends to coverage you for bodily injury and/or property damage arising from your operations.

This policy is not available on a mono-line basis and therefore must purchased in conjunction with the Professional Liability insurance.

Policy features include:

• Liability coverage available from $1,000,000 per claim.

Coverage Includes:

• Coverage A:  Bodily Injury and Property Damage Liability.
• Coverage B:  Personal Injury and Advertising Injury Liability.
• Coverage C: Medical Payments
• Coverage D: Tenants Legal Liability
• Coverage extends beyond accidents occurring on your premise ie. clients homes and hospital visits are also covered

Legal Services Package (included)

• Legal Information Helpline ~ unlimited
• Human Resources (HR) Assistance ~ unlimited
• Legal Document Review ~ up to 12 times, each policy term
• Simple Legal Letter Drafting ~ up to 12 times, each policy term
• Online Legal Document Centre ~ unlimited

Included Services

The following are the services included in the base membership for professional and commercial general liability:

• Birth Doula
• Postpartum Doula
• Fertility Doula
• Pregnancy Loss Doula
• Death Doula
• Non-invasive ancillary pre- and post-natal services such as prenatal massage, belly binding, lactation and breastfeeding
  consultation, pregnancy apparel consultation, sleep consultation, infant and child car safety seminars
• Childbirth education
• Sibling Doula
• Babywearing educator can be included if services are offered as a Doula

Available add-ons (for an additional fee)

• Commercial General for an additional location
• Tenant Legal Liability
• Yoga or Pilates coverage (if under 40% of revenue)
• Reiki coverage(if under 40% of revenue)
• IBCLC (if under 40% of revenue)
• Commercial Package for non-owned buildings
• Cyber Liability (can purchase increased coverage)

Most services provided by Doulas can be covered under the program. We urge you to contact us to discuss any other services that you may wish to insure that are unique to your Doula practice.

We are unable to provide coverage for the following services at this time.

Non-Covered Operations or Services:

• Babysitting/childminding/daycare/camps (except limited sibling doula support under 48 hours)
• Products Liability, including homemade products, homeopathic remedies, traditional medicines, and similar
  products
• Registered Massage Therapist
• Registered Social Worker/Social Service Worker/Psychotherapist
• Renting equipment to others
• IBCLC work/services composing more than 40% of the Insured’s overall operations (separate coverage should be arranged)

Professional Liability Insurance covers the investigation and defence against any civil action (subject to policy terms, conditions and exclusions) brought against you including payment of all sums which you may be legally obligated to pay as a result of liability for injuries arising out of rendering or failure to render professional services as a Doula.

While the Professional Liability covers you for the rendering or failure to render professional services, Commercial General Liability is extended to cover claims for bodily injury, personal injury and property damage that may be caused to your client (or other third party) arising out of your premises or business operations. For example, the liability for clients falling and being injured on your premises or an injury those results while you are attending a hospital or clients home.

All liability insurance policies have an, each claim limit and aggregate limit. The each claim limit is the limit a policy can pay out for anyone claim situation. An aggregate limit is the total amount that a policy can pay for the duration of a policy period. (Most policies have a one year policy period. Therefore, with a one year policy period, the aggregate limit is the total amount a policy would pay out in that year the policy is in force).

For example, a policy with $1,000,000 limits (per claim and in the aggregate) has a claim that pays out $500,000 and in that same policy period a second claim is filed resulting in $500,000 paid out. In this example, the policy’s aggregate limit of $1,000,000 would be exhausted and no more coverage would exist under that policy, for the remainder of that policy period.

Yes, you may increase your Limit of Liability at any time during the term of the policy. In order to initiate the change you will need to sign an Increased Limits form and forward it to Aon. Upon receipt of the Declaration, your Limit of Liability will be increased and an additional premium charge will apply for this additional exposure

Decreasing your Limit of Liability should be exercised with caution. You may decrease your Limit of Liability at any time during the term of the policy; however, you need to understand that you are also decreasing the Limit of Liability for all of your Prior Acts as E&O policies are written on a “Claims-Made and Reported Basis” basis.

For example:

In 2010, you had a $2,000,000 Limit of Liability

In 2011, you reduce your limit to $1,000,000

In 2011, you are served with a claim in the amount of $2,000,000 (for an act committed in 2010)

Your available Limit of Liability is $1,000,000 (as the policy is written on a Claims-Made and Reported Basis basis)

An Employee is someone that works exclusively for a Doula, Partnership or Corporation and are paid a salary/wage. If they are independent and working together this would not be considered an employee either. Sub-contractors would also be considered separate (independent contracts) if they are submitting invoices to the owner.

If you require an additional insured certificate (ie if you’re working with an agency), please reach out to Prolink at AOD@prolink.insure so you can obtain an additional insured certificate.