Practice Risk Solutions

SAC Insurance

The SAC insurance program is designed specifically to meet the needs of speech-language pathologists, audiologists, and communication health assistants.

Professional Liability Insurance (Annual Cost: $53)

Commercial General Liability Insurance (Annual Cost: $195)

Contents/Crime/Business Interruption (Annual Cost: $525)

For further details and pricing:

Coverage brochure

Optional Extensions of Coverage include:

  • Clinic Professional Liability Insurance

    In the event of a claim, both the treating professional (any regulated health professional) and the business are likely to be named in a statement of claim or lawsuit. Clinic Professional Liability Insurance protects the business and its assets in such circumstances. Coverage is recommended for businesses with other speech language pathologists, audiologists, communication health assistants or other healthcare professionals working for or on behalf of your business and/or billing under your business name.

    In addition, if you do not have employees but have an incorporated clinic, you should also purchase this coverage.

  • Increased Professional Liability Insurance limits

    Professional Liability insurance protects you against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a speech-language pathologist, audiologist, or communication health assistant. Your coverage insures payment of both compensatory damages and legal costs associated with a claim.

    Professional Liability Insurance is available in three limit options; a $2,000,000 per claim and $2,000,000 per year aggregate limit, a $5,000,000 per claim and $6,000,000 per year aggregate, or you can increase your Professional Liability Insurance coverage even further with a $7,000,000 per claim and $8,000,000 per year aggregate.

  • Increased Commercial General Liability Insurance limits

    Commercial General Liability insurance provides coverage to protect against claims arising from injury or property damage that you (or your business) may cause to another person as a result of your operations and/or premises (for example, a patient may slip and fall on a wet floor in your clinic or your employee may accidentally cause property damage to a patient's home during a consultation).

    Commercial General Liability insurance includes a $5,000,000 per occurrence and $6,000,000 per year aggregate limit. Or choose to increase your CGL coverage to $7,000,000 per occurrence and $8,000,000 per year aggregate.

  • Increased Office Contents Insurance limits

    Contents covers items usual to an office, including desks, chairs, filing cabinets and computers, as well as any equipment, stock and improvements and betterments. Includes a $125,000 per claim limit or choose to increase your contents insurance up to $250,000. Higher limits also available.

    Crime coverage protects against financial loss due to dishonesty, fraud, or theft of money, securities or other property owned by the office/clinic.

    Business Interruption insures against loss of income resulting from direct physical loss or direct physical damage to the premises by an insured peril (e.g. fire).

  • Additional Locations

    Clinic Professional Liability Insurance and Commercial General Liability Insurance will extend to protect multiple locations if operating under the same entity.

    But what about your office contents? If you have more than one location, you may want to secure Office Contents Insurance for each site to protect against damage to contents, including medical equipment, and loss of revenues caused by an interruption of business activities arising from an insured loss. You can purchase additional Office Contents Insurance to protect each of your business locations.

  • Accidental Death and Disablement (AD&D)

    Accident Death and Disablement provides a lump-sum benefit in the event of Accidental Death or Disablement including loss or loss of use of limbs, sight, speech or hearing. Other ancillary benefits, such as Rehabilitation Benefit, Occupational Training benefit, Child Care Benefit, Disability Fitness Equipment Benefit may be added to provide a tailored and comprehensive package.

  • Employment Practices Liability

    Employment Practices Liability Insurance (EPL) includes coverage for defense costs and damages related to various employment-related claims including allegations of wrongful termination, discrimination, workplace harassment and retaliation.

    Please click here to find out more!
  • Legal Services Package

    New! Legal Services for SAC members

    Specialized legal advice for personal and business matters is just a phone call away. SAC members now have access to a cost-effective solution for legal services, including:

    Unlimited Telephone Legal Advice
    Unlimited access to a confidential 24/7 toll-free line to speak with a lawyer about any legal issue, both personal and professional. Upon calling, you will be connected with a lawyer who is geographically close to you and who is an expert in the area of law you are calling about.

    150+ Legal Documents and templates online, anytime you need them
    Take advantage of an online library of customizable templates and up-to-date legal documents that have been drafted by lawyers. The document library includes employment contracts, partnership agreements, loan agreements, promissory notes, and more.

    Legal Document Reviews
    Lawyers will review your short legal documents (e.g. contracts) or legal letters and can draft simple legal letters on your behalf.

If you wish to receive the Policy document, please contact us.