The professional world is evolving rapidly, and with it, the number of disputes and claims. Whether you’re self-employed, a consultant, or leading a specialized business, a simple allegation of error or negligence can threaten your reputation and financial stability.
Professional liability insurance, also known as errors and omissions insurance, is designed to protect you against the consequences of such situations, whether they are founded or not. It covers your legal fees and any damages you might have to pay in the event of a claim.
With the support of J. Gérard Fortin & Associates’ experts, you have access to high-performance insurance products tailored to your profession’s realities. Through a thorough risk assessment, our specialists will recommend targeted protection under favorable conditions.
Professional liability insurance isn’t a one-size-fits-all product. It is modular and should be adjusted to the nature of your activities and the risks they entail.
Our brokers assist you at every step to build a solution that reflects your business or profession’s reality.
This core coverage protects against actual or alleged professional faults in your work, including errors in judgment, planning, or communication.
Whether the complaint is founded or not, your insurance covers legal defense costs, including lawyer fees, expert expenses, and other legal expenditures.
If you’re found liable for harm caused to a client or third party, the policy covers the indemnities you might be required to pay.
Your contract can extend coverage to your team members or regular collaborators, which is essential for firms and professional service companies.
Our products cater to a wide range of professions, including but not limited to:
Architects, engineers, technologists, and designers
Consultants and self-employed individuals
Staffing and human resources agencies
IT, multimedia, or digital marketing companies
Healthcare professionals and alternative services
Biotechnology, life sciences, and medical device companies
Associations, professional groups, and centers of expertise
Coverage limits can reach several million dollars, depending on your needs and the nature of your contracts.
Options to add protections for cyber risks, privacy, reputational harm, or errors in team or project management.
Yes, some policies may offer international coverage. It’s important to discuss this with your broker to ensure your needs are met.
Yes. Anyone providing professional services is exposed to risks. Even self-employed workers can face costly claims.
Yes, many policies now include coverage for services delivered remotely, depending on the nature of your activities. An analysis of your situation will allow for adjustments if needed.