HUB International is pleased to provide chiropodists with a comprehensive insurance program that includes:

  • Professional Liability with Optional Entity Coverage
  • Commercial General Liability Coverage
  • Property and Crime Coverage

Professional Liability, or Errors & Omissions (E&O), Insurance

  • Professional Liability insurance covers actual or alleged errors, omissions or negligent acts in your rendering of professional services to clients. Under this program this coverage is written on a "claims made" basis, meaning that the insurance must be in force at the time a claim is reported to the insurance company. To ensure coverage for past services, it is important to maintain your insurance in force at all times.
  • Professional Liability coverage must be purchased in order to be eligible to purchase the other coverages offered.
  • If you purchase optional Entity Coverage, the limit of liability must be the same as Professional Liability limit.

Buyer Eligibility

The insured (the chiropodist)

  • Must be in good standing with their Provincial Regulatory Authority

Property/Crime coverage is currently not available for online purchase. Please contact Natalie Owens-Murphy from HUB Sinclair Cockburn, at 905-948-2433 or

Important Coverage Information

Policy Period - July 1, 2016 - July 1, 2017

NOTE: Certificates are issued for a 1 year term.  

Coverage Highlights

  • Separate, additional coverage is available if you provide surgical services
  • Coroner's Inquest Expense Coverage - $50,000 Sub-limit
  • Disciplinary Legal Expense Coverage - $50,000 Sub-limit
  • Penal Defense Reimbursement - $100,000 per policy
  • Security and Privacy Liability Coverage - $50,000 sub-limit
  • E&O coverage available retroactively to the date of initial purchase of a "claims made" policy under this program provided insurance has been continuously maintained. Otherwise, coverage begins with the inception date of the current policy
  • Extended Reporting Period: Claims can be reported for 30 days after the expiry of the policy if non-renewed or cancelled (for reasons other than nonpayment of premium)

Professional Malpractice Liability Insurance Limits

  • $1,000,000 Per Claim/$2,000,000 Aggregate
  • $2,000,000 Per Claim/$2,000,000 Aggregate
  • $5,000,000 Per Claim/$5,000,000 Aggregate

Defense Costs, Settlement and Claim Expenses

  • Part of the policy limit
  • Territory: Suits brought in Canada and its Territories
  • Supplementary payments are part of the aggregate limit

      Underwritten by:

      Encon Group Inc. For more information about Encon Group Inc. please visit www.encon.ca



      Please contact Natalie Owens-Murphy from HUB Sinclair Cockburn for any cost-related inquiries (905-948-2344 | natalie.owens-murphy@hubinternational.com).

      *Kindly note that Property Insurance is not available online.

      Ask an Advisor

      If you have any questions about the Chiropodists insurance program, please contact:


      Account Associate, HUB International Sinclair Cockburn, Markham
      Email: natalie.owens-murphy@hubinternational.com    
      Phone: 905-948-2433