Coverage for the business behind the practice.
From premises and equipment to privacy and downtime, we’ll help you compare coverage for how your practice actually operates.
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PRACTICES WE INSURE
Built around the clinic, not just the practitioner.
Every practice below is placed by a HIFA commercial broker. Not listed? Still worth a call.
Dental
Dental Practices
Chairs, imaging and sterilisation equipment the schedule cannot run without.
Physiotherapy
Physiotherapy Clinics
Treatment tables, modalities and a floor patients move across all day.
Chiropractic
Chiropractic Clinics
Adjusting tables, imaging and premises that see high patient turnover.
Optometry
Optometry Practices
Diagnostic instruments plus frame and lens stock held on the floor.
Allied Health
Allied Health Clinics
Speech, audiology, podiatry and similar practices working from fitted rooms.
Wellness
Wellness Clinics
Massage, acupuncture and therapy rooms inside leased retail space.
Multi-disciplinary
Multidisciplinary Clinics
Several disciplines, several practitioners, one business and one lease.
Other
Other Healthcare Practices
Smaller or mixed practices that do not sit neatly in a standard clinic class.
NOT SURE WHICH PARTS APPLY?
Send the lease and the equipment list.
Send the lease, your clinical equipment list with replacement values, and where patient records are held. A broker tests those values and approaches insurers who write clinics.
Want to talk now?
WHO THIS IS FOR
Is this you?
If any of these describe your business, a commercial broker is worth the conversation.
1
Practice owners with significant investment in diagnostic or treatment equipment
2
Practices with leasehold improvements built to clinical specification
3
Clinics with steady patient and visitor traffic moving through the premises each day
4
Clinics holding personal health information subject to PHIPA obligations
5
Multi-practitioner clinics with associates and locums on site, or a second location opening
WHAT CAN GO WRONG
The claims we see most in clinics.
Common risks
A patient or visitor injured on the premises
Damage to specialised and expensive clinical equipment
Breakdown of equipment the appointment schedule depends on
Privacy breaches involving personal health information
Loss of income while the clinic cannot operate
Employee dishonesty or billing fraud inside the practice
Damage to leasehold improvements and the clinical fit-out
Theft of equipment or controlled stock held on site
Coverage to discuss
Equipment Breakdown
Business Interruption
Crime
Tenant Improvements
Professional Liability
Availability, limits and extensions vary by insurer and by operation. Professional liability is arranged separately where appropriate, and is usually held through the practitioner’s college or association. A broker confirms what applies to yours.
WHAT WE’LL ASK YOU
The questions that change the policy.
An online form asks what you are. We ask how you operate before approaching insurers.
01
What type of practice is this, and which services are actually delivered on site?
02
How many practitioners, associates and support staff work in the clinic, and do associates and locums carry their own professional liability through their college or association?
03
What is the replacement cost of clinical equipment today, and what are the lead times?
04
Which practice management system is in use, where is patient data stored, who has access, and is it encrypted at rest?
05
What do the premises and the lease look like, and which improvements did the practice pay for itself?
06
What is the annual revenue and appointment volume, and are there additional locations under the same business?
Rather work through these with a broker?
REAL CLAIM EXAMPLES
Two situations worth understanding.
Equipment loss interrupts the schedule
A supply line fails over a weekend and water runs through two treatment rooms. Chairs and an imaging unit are damaged and the clinic cannot see patients. Commercial property and equipment coverage may respond to the damage, and business interruption to income lost while the clinic is closed. The outcome turns on whether the indemnity period covers the equipment lead time.
Illustrative only. Whether a policy responds depends on its wording, limits and exclusions.
Patient information is exposed
Ransomware locks the practice management system on a Monday morning and the clinic cannot open charts or confirm appointments. A forensic review cannot rule out that patient records were accessed. Cyber coverage may respond to incident response costs, notification and the liability that follows.
Coverage may depend on security warranties given at application, including encryption.
WHY HIFA
What a specialist broker does differently.
We underwrite the clinic as a business, not as an extension of a licence
The professional liability a practitioner carries through their college or association responds to their professional acts. It does not answer for the premises, the equipment, the staff, the patient data or the income. We place the business side, and a broker can confirm where the practitioner’s own cover ends and the practice policy begins.
We value clinical equipment at replacement, not book
Imaging, chairs, lasers and diagnostic equipment depreciate on paper far faster than they do in the market. Insuring to book value is a shortfall waiting to happen. Replacement cost is only half of it, though: the lead time on a chair, a laser or an imaging unit is what sets the indemnity period, so we value the equipment and the downtime together.
We take patient data as seriously as the building
Personal health information carries strict notification obligations under Canadian privacy law, and it is frequently targeted. The practice management system is usually what stops a clinic, not the building. We work through privacy and cyber alongside the physical practice rather than leaving it to an endorsement nobody reads.
WHAT AFFECTS THE PRICE
Two clinics offering similar treatments can price very differently.
What affects your premium
Value of specialised diagnostic and treatment equipment
Type of clinical services provided on site
Volume of patient records held and how they are stored
Number of practitioners, associates and support staff
Annual revenue and appointment volume
Size, age and construction of the premises, and the fit-out the practice paid for
Security, access control and any refrigerated or controlled stock on site
Claims and loss history over the last five years
What to have ready
Inventory of clinical equipment with replacement values
Data storage, access and encryption practices
Details of the professional liability each practitioner holds through their college or association
Annual gross receipts
A copy of the lease, including the insurance clause
A list of leasehold improvements and what the practice spent on them
Headcount by role, including associates and locums
Loss history for the last five years
WHERE WE WORK
The western GTA.
Clinics and practices across Burlington, Oakville, Milton, Mississauga and Hamilton — plaza units, medical buildings and mixed-use main-street space.
Common questions
What clinic owners ask.
Does the clinic policy cover my medical malpractice?
Are refrigerated medicines covered if the power fails?
Why is cyber insurance particularly important for healthcare?
What happens if a fire closes the practice?
Do I need coverage for locums and independent contractors?
READY TO TALK?
The commercial side of the practice, placed properly.
Send the lease, an equipment list with replacement values, and a note on where patient records are held. A broker comes back with what the practice policy should cover and what still belongs with each practitioner’s college or association.
Want to talk now?