Medical Malpractice Liability
– $3,000,000 each Claim (Occurrence based), $5,000,000 Annual Aggregate; Legal Expense - $25,000 each Claim, $50,000 Annual Aggregate (applicable to members subject to professional disciplinary legislation).
Pays for claims against the member alleging negligence in the treatment of a patient as a result of the member’s bodywork, resulting in bodily injury, sickness or disease.
Commercial General Liability (CGL) – $3,000,000 each Occurrence, $5,000,000 Annual Aggregate.
Pays for claims against the member alleging negligence in the operation of the business, causing bodily injury or property damage, including slips and falls, damage to rented or adjacent premises, and injury from products sold.
Contents – $50,000 Contents of Every Description; $100,000 Business Interruption; $25,000 Employee Dishonesty.
Coverage provides replacement cost reimbursement to the member as the owner of the physical property and equipment from loss, or the loss of income-producing ability, when the loss or damage is caused by an insured peril such as fire, water damage, or explosion. Protection is only provided to a member's contents and not for any buildings.
Note: This policy excludes claims arising out of any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair removal or replacement or personal grooming.