Critical Illness

Medical Malpractice

Medical Malpractice is a rapidly changing class of business in Canada. Alternative healthcare and holistic medicine are both exploding in popularity and are becoming increasingly more mainstream. In the drive to reduce deficits over the past few years, governments at all levels have downloaded to the private sector as well as to many healthcare services, creating a new market for these clinics and practitioners. In addition, a whole new area has developed for various home care services that previously did not exist.

Companies or individuals face a variety of exposures, including:

  • Errors and Omissions
  • Medical Malpractice Liability
  • Libel and Slander

Some examples of professionals we insure for Medical Malpractice are:

  • Holistic Medical Providers
  • Chiropractors
  • Home Care Service Providers
  • Rehabilitation Professionals
  • Massage Therapists
  • Clinics
  • Nursing Agencies

Professional Group & Association Programs:
Fivestar Insurance Brokers Ltd. is able to arrange coverage for professional groups and associations. We recognize that each group or association is unique, and we can work with the insurers to tailor the policies to meet your specific insurance requirements. Not only are we able to provide competitive premium rates for its Medical Malpractice Errors and Omissions coverage, we can also offer Commercial General Liability and Commercial Property coverages with one insurer thus providing our clients with a complete and seamless comprehensive package.

Medical Malpractice Policy Highlights:

  • Coverage for practitioners, institutions or partnerships
  • Coverage for non-professional employees working under the direction of the professional

Additional Policy Enhancements for Professional Group & Association Program Business:

If claim exceeds deductible, deductible is waived Reimbursement for expenses incurred defending unfounded abuse allegations coverage for expenses incurred to defend allegations of negligence, including disciplinary hearings, etc.

Commercial General Liability and Commercial Property:

Fivestar Insurance Brokers Ltd. can provide Commercial General Liability coverage as well as Commercial Property coverage to complement its Medical Malpractice policies. Our CGL and Property policies offer all the broad cover you need to offer your clients. This gives you the opportunity to place the CGL, Property and the Medical Malpractice liability covers with the same insurer. This eliminates potential gaps in coverage, claims disputes, and non-concurrent forms. The Insurers liability policies are designed to fit together to give a seamless broad protection for our clients.


Fivestar Insurance Brokers Ltd. offers a comprehensive range of flexible insurance policies specifically designed to meet the needs of Healthcare Products manufacturers.
These products can be classified into three main categories:

  • Pharmaceuticals
  • Biotechnology
  • Medical Devices

Generally, the party involved in the development of the drug or medical device will typically not seek product liability insurance until they enter the Clinical Trials phase. Some companies conduct their own clinical trials while others hire a Contract Research Organization (CRO), to perform these trials on their behalf. Our insurers have developed a policy that is unique to these particular companies, as it encompasses the financial loss exposure in addition to the medical malpractice exposure that these companies face.

Fivestar Insurance Brokers Ltd. works with Insurers that understand the unique business challenges that all of these companies face and continually keeps abreast of trends and changes in this field, including changes in government regulations and the legal system, and adapts its policy to accommodate these changes.

Healthcare Products Policy Highlights:

  • Limits of up to $5 million
  • Worldwide coverage
  • Coverage for Bodily Injury, Property Damage and Financial Loss arising from the Insured’s products or operations
  • Full Clinical Trials coverage, including Medical Malpractice and Errors and Omissions
  • Coverage for liability arising from research and development including the sale or distribution of research work
  • Coverage available for international clinical trials
  • Commercial General Liability and Commercial Property

Fivestar Insurance Brokers Ltd. can also provide Commercial General Liability coverage to complement the Healthcare Product Liability policies. This benefits our clients as they are able to insure the CGL, Property and the specialized liability covers with the same insurer. This eliminates potential gaps in coverage, claims disputes, and non-concurrent forms. Our Insurers policies are designed to fit together to give broad protection to our clients.

Healthcare Research and Development

Fivestar Insurance Brokers Ltd. is able to provide coverage for Healthcare Research & Development (R&D) companies.

Our insurers have designed a package policy that is specifically designed for Healthcare R&D companies who do not provide third party services, sell products or conduct human clinical trials. This multi-line policy includes Errors & Omissions, General Liability and Property coverages in one convenient package. It is ideal for companies who do not wish to purchase high E&O limits due to the low exposure of R&D services, but who still require General Liability and Property coverages.

As with all of our package policies, it is fast and easy to qualify! You only need to complete one application to obtain one quote for all three coverages. As always, the pricing is competitive and the coverage is comprehensive.

Companies who provide third party services, have product sales or conduct clinical trials are not eligible under this product however, we can provide coverage separately under our Healthcare Products Liability, CGL and Property. Clients benefit as our packages are designed to fit together to give seamless broad protection, eliminating potential gaps in coverage, claims disputes and non-concurrent forms.

Package Policy Highlights for Healthcare Research & Development (R&D) companies include:

  • Errors and Omissions
  • Commercial General Liability
    Commercial Property with Specialized Research and Development coverage including:
  • Valuable Papers
  • Accounts Receivables
  • Extra Expense
  • Radioactive and Bio-Contamination
  • Refrigerant Contamination and Temperature / Humidity Change
  • Research & Development Restoration Expense
  • Loss to Laboratory Animals

Healthcare Professional

With today’s high costs and consequences of malpractice lawsuits in a litigious society, professional liability insurance is a must for all healthcare providers. Whether the allegations are real or frivolous, the impact of a malpractice lawsuit can be financially devastating.

Any health care professional, regardless of the service they perform, can never fully escape the possibility that their work may fail to meet their clients’ expectations. All it takes can be one dissatisfied client to place a professional’s career and personal assets at risk.

We are can arrange multi-functional medical professional liability policies covering:

  • Liability for the entity itself
  • Healthcare Practitioner “DIC” coverage
  • Additional coverage for physicians & surgeons where CMPA protection does not respond (case by case basis)
  • Vicarious liability coverage

Some of the type of professionals and entities were are able include:

  • Ambulance Attendants
  • Audiologists
  • Clinics
  • CPR Instructors
  • Chiropodists
  • Chiropractors and Chiropractor Clinics
  • Counselling
  • Dental Clinics
  • Dentists
  • Diagnostic Laboratories
  • Home Care Service Providers
  • Homeopaths
  • Hospitals
  • Hospice
  • Holistic Medical Providers
  • Laboratories
  • Massage Therapists
  • Medical Clinics
  • Medical Consultants
  • Medical Doctors
  • Medical First Responders
  • Naturopaths
  • Nurses
  • Nursing Homes
  • Occupational Therapists
  • Occupational Health and Safety Consultants
  • Opticians/Optometrists
  • Physiotherapists
  • Placement Agencies for Nursing Personnel
  • Psychologists
  • Radiologists
  • Rehabilitation Consultants
  • Respiratory Therapists
  • Schools
  • Surgical
  • Treatment
  • Veterinarians

Chiropractors and Chiropractic Clinics
In response to these critical challenges, Five Star Insurance Brokers Ltd. combines more than 20 years experience in arranging specialized commercial insurance, including competitively priced solutions for chiropractic malpractice and chiropractic clinic insurance. As an extension to a chiropractic malpractice policy, coverage is also available for acupuncture and homeopathy practitioners.

You may also be interested in our chiropractic clinic commercial package that is all-inclusive and provides protection for Blanket Contents, Building, Business Interruption and Commercial General Liability.

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