QUICK QUOTE
Accessible insurance solutions
Rehabilitation centers play a vital role in the physical, psychological, or neurological recovery of patients. These establishments must deal with significant clinical, human and material risks. Through the Assur360 platform, you can submit your claim online and be connected with partner brokers.
Why choose specialized insurance for a rehabilitation center?
- Presence of risk of injury, relapse or treatment errors.
- Management of medical records subject to strict confidentiality rules.
- Use of high-value, specialized equipment.
- Need to comply with regulatory requirements and accreditation processes.
Insurance benefits available
| Guarantee | Description |
|---|---|
| Professional Liability | Protects against errors or omissions in rehabilitation care or services. |
| Civil liability | Covers damage to third parties caused on the premises of the establishment. |
| Breakdown of specialized equipment | Insures medical and rehabilitation devices against damage. |
| Business interruption | Compensates for financial losses in the event of a temporary closure of the centre. |
| Cyber Insurance | Covers leaks or hacks of confidential medical data. |
Why use an insurance comparison tool for a rehabilitation center?
Using the Assur360 platform means simplifying your insurance procedures for your establishment. Our online quote tool allows you to submit your information in order to be put in touch with partner brokers.
IN BRIEF
Insurance for rehabilitation centres
Rehabilitation centres (physio, ergo, kinesiologist) bring together several professionals and must provide: clinical RC, CR for each practitioner, specialized equipment (weight training machines, electrotherapy), and equipment breakdown.
Structure: Each practitioner must have their own professional liability (via their order), but the center itself needs $2M commercial liability and coverage for falls/injuries on the premises.
Examples of property and casualty insurers available in Quebec
| Insurer | Common areas of focus |
|---|---|
| Beneva | Products available in insurance for the healthcare sector. |
| Intact Insurance | Products available in insurance for medical facilities and services. |
| Promutuel | Products available in insurance for small and medium-sized businesses in health. |
| The Unique | Products available in insurance for specialized equipment and infrastructure. |
| Aviva insurance | Products available in insurance for independent establishments. |
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What is the difference between civil liability and professional liability?
Generally, civil liability refers to claims related to damage caused to third parties (for example, visitors or patients), while professional liability refers to claims associated with professional acts. However, the exact coverage, its conditions and limits depend on each insurance policy.
Does the insurance cover physiotherapy or occupational therapy equipment?
Some insurance policies may include coverage for specialized equipment used in physiotherapy or occupational therapy. However, the conditions, limits and scope of coverage vary from one insurer to another. To find out if your equipment can be insured and under what conditions, only a damage insurance broker is authorized to provide you with a precise answer adapted to your situation.
Peut-on regrouper plusieurs centres sous une seule assurance?
Yes. Many insurers offer comprehensive policies for organizations that have multiple locations.
“Since April 6, 2022, certain employers with several establishments whose activities are of the same nature may group them together to apply the interim regime of prevention and participation mechanisms, under certain conditions,” according to the CNESST.
What are the main coverages of rehabilitation center insurance?
What exclusions should I check before signing?
Can I bundle my rehabilitation centre insurance with my car or home insurance?
How does professional civil liability work?
How long does it take to get a rehabilitation centre quote through Assur360?
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