Malpractice Insurance

If you are a doctor or a health professional, Malpractice Insurance is necessary to protect you from claims of injury to patients due to alleged negligence

Join thousands of Canadian businesses that are already protected!

Consultant Insurance

What is Malpractice Insurance?

It is a type of professional liability insurance that protects doctors and other health professionals against alleged negligence that lead to patient injuries. Canadian physicians, whether they practice privately or with a hospital, are required to have medical liability insurance.

The Massachusetts General Hospital Department of Medicine concluded in a study that most doctors will require malpractice insurance at some point in their career.

What does Medical Malpractice Liability Insurance cover?

These are the common types of negligence claims that are covered:
  1. Failure to attend a patient
  2. Failures in diagnosis
  3. Failures in referral or consultation
  4. Failure to communicate with other physicians
  5. Failure to protect or warn third parties
  6. Substandard treatment

What is not covered?

It is important to be aware of the exclusions in medical liability insurance coverage. They are generally:
  1. Injuries from the use of autos, which includes loading or unloading of patients
  2. Intentional negligence when engaging in professional duties
  3. Claims related to incorrect prescription and dosage
  4. Unnecessary surgery or operating on the wrong body part

What are the different types of Medical Malpractice Insurance?

  1. Claims-made insurance
  2. Occurrence policies
  3. Claims-paid policies
  4. Errors and omissions

How much does malpractice insurance cost?

The malpractice insurance cost for every health professional will vary depending on the type of practice they engage in. Some types of physicians and practitioners are more likely to face claims than others. Here are some practitioners that face the most claims:
  • Surgeons
  • Orthopaedics
  • Radiologists
  • Anesthesiologists

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Which professions require Malpractice Insurance?

Professionals who benefit from the coverage:

  • Masseurs

  • Psychologists

  • Psychiatrists

  • Counsellors

  • Dieticians

  • Pharmacists

  • Paramedics

  • Pathologists

  • Care Providers

  • Occupational Therapists

  • Health and Wellness Centers

  • Tanning Salons

  • Weight Loss Clinics

  • Skin Clinics

  • Spas

  • Plastic Surgeons

  • Physiotherapists

  • Independent Health Professionals

Common scenarios where Consultant Insurance is useful:


A radiologist misreads an X-ray, leading to misdiagnosis – patient decides to sue.

Marketing Consultant Insurance

A physiotherapist recommends a shoulder treatment routine that causes further injury to a patient.

Architect Consultant Insurance

A dentist does not fully take into consideration his patient’s complains and remarks, leading to misdiagnosis

What our customers say about us

Our customers us, and so will you!
Learn why thousands of Canadian small businesses trust their insurance to us.


Zensurance has been the easiest company I’ve ever received insurance from. Simple, painless and responsive, look no further than Zensurance for your company’s insurance needs.


Chris Chan, Dwello

The Zensurance team was responsive, professional, and knowledgeable. Zensurance knew exactly what we were asking for after a few minutes on the phone. I would highly recommend them for liability insurance especially if you’re not sure what you need to protect your business.


Melissa Kwan, Spacio

The Zensurance transparent customer experience helped me identify and hedge dynamic operating risks.


Reid Horkins, Evree

Leading Canadian business insurance carriers
have partnered with us to serve you

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