Business Details
Holistic Practitioner Insurance Solutions Canada
Reflexology Institute Of Ontario is a family-run organization dedicated to supporting holistic practitioners across Canada with tailored insurance solutions. Recognizing the rising costs and risks associated with running a practice, we provide cost-effective, comprehensive liability insurance through a sponsored group program. Our collaboration with AON Reed Stenhouse ensures access to professionally underwritten policies that meet the unique needs of individual practitioners and small businesses. We prioritize personalized service, aiming to simplify the insurance process while maintaining a commitment to affordability and reliability. Our members' trust and loyalty drive our continuous improvement, and we strive to maintain transparent, ethical practices that reflect our deep understanding of the holistic health industry.With policies starting at $181 annually, we offer flexible coverage options including professional liability, commercial general liability, and optional property or business interruption insurance. Our team works closely with practitioners to ensure coverage aligns with their specific modalities, backed by the expertise of Berkley Insurance Company. We maintain a friendly yet professional approach to client relationships, ensuring claims-made and occurrence-based policy options remain accessible. Our administrative team, including key figures like George, Thelxi, and Julie, remains dedicated to delivering efficient service while upholding our founding principles of community support and industry advocacy.
Services
Professional Liability Insurance
Commercial General Liability
Property Coverage
Business Interruption Insurance
Crime Coverage
Highlights and features
- We specialize in insurance solutions specifically designed for holistic health practitioners
- Our family-run organization prioritizes personalized service over corporate bureaucracy
- Policies start at just $181/year with flexible coverage options
- We partner with AON Reed Stenhouse for industry-leading risk management expertise
- Coverage available for over 150 different alternative health modalities
Services
Professional Liability Insurance
Our professional liability insurance protects holistic practitioners against claims of negligence or treatment errors. This coverage includes legal defense costs and settlements up to your policy limits. Designed specifically for alternative health professionals, it provides essential protection while maintaining affordability through our group-sponsored program.
Commercial General Liability
Commercial general liability coverage safeguards against third-party claims for bodily injury or property damage occurring at your practice location. This includes common incidents like slip-and-fall accidents, providing financial protection for both legal costs and medical expenses when applicable.
Property Coverage
Optional property coverage protects your practice's physical assets against damage from covered perils like fire or theft. This includes treatment equipment, office furniture, and business inventory, helping ensure continuity if unexpected property loss occurs.
Business Interruption Insurance
This coverage compensates for lost income when business operations must temporarily cease due to covered property damage. It helps maintain financial stability during recovery periods by covering ongoing expenses like rent and utilities.
Crime Coverage
Optional crime coverage protects against financial losses from theft, fraud, or embezzlement. This includes protection for both physical assets like cash and digital assets such as electronic funds transfers.
People
George
Founding Father
George established PHSG to address insurance challenges faced by holistic practitioners. His leadership focuses on creating accessible, affordable coverage solutions while maintaining the organization's family-run values.
Thelxi
Friendly Administrant
Thelxi manages day-to-day operations with a focus on personalized service. Her administrative expertise ensures smooth policy processing and member support while maintaining the organization's welcoming approach.
Julie
Group Management
Julie oversees group management operations, coordinating insurance programs and member services. Her work ensures efficient implementation of coverage options while maintaining cost-effectiveness for practitioners.
Questions
What types of practitioners does PHSG insure?
We cover over 150 alternative health modalities including massage therapists, acupuncturists, naturopaths, and other holistic practitioners across Canada.
How do I apply for coverage?
Complete our online application and submit required certificates for your modalities. Approval requires membership with Preventative Health Services Group.
What policy options are available?
We offer both claims-made policies (starting October 1st) and occurrence-based policies (starting January 1st) with flexible coverage periods.
What coverage limits are available?
Professional and general liability limits range from $2 million to $5 million with optional additional coverages for property and business protection.
Who underwrites your policies?
Our policies are underwritten by Berkley Insurance Company with administrative support from AON Reed Stenhouse Inc.
