Welcome to the RNAO NurseInsure Insurance Program for 2019 – 2020

Are you looking for an insurance solution to your Errors & Omissions and Business needs?

Look no further—RNAO has the solution in the NurseInsure Malpractice Errors & Omissions Insurance and Business Insurance Programs.

Whether you are purchasing insurance as a requirement or whether it is in addition to any protection currently afforded to you, this program provides you the option to purchase the insurance that you need in the rendering of your professional services and/or in the running of your business. NurseInsure provides you peace of mind, with no reliance on other parties to provide you with the insurance protection you are looking for.

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We are pleased to provide you with the following insurance product offerings for your consideration:

Malpractice Professional Liability/Errors & Omissions – Individual

Provides E&O insurance coverage to an RN or RN (EC) for claims arising out of alleged/actual negligence in connection with the provision of professional services in the practice of nursing

Full Prior Acts coverage included

Limits of $1,000,000, $2,000,000, $5,000,000 and $10,000,000 currently available

Defence Costs are in ADDITION to the limit of insurance for the limit options of $1,000,000, $2,000,000 and $5,000,000

NIL Deductible

Security & Privacy Liability Coverage automatically included subject to $50,000 per claim/aggregate sublimit. Option to increase to $250,000 sublimit available (subject to additional premium)

Employment Practices Liability coverage automatically included, subject to $100,000 sublimit per claim/aggregate per policy period

Outside Directorship Liability Coverage automatically included, subject to $500,000 per claim/aggregate per policy period

Option to have coverage automatically extended to your Personal Corporation, if needed and subject to meeting eligibility requirements

Worldwide Territory coverage automatically included for $1,000,000, $2,000,000 and $5,000,000 limits. Option for Worldwide Territory coverage for $10,000,000 limit, subject to underwriter approval

Option to purchase tail/extended reporting period insurance up to 6 years in the event of cessation of business, retirement, death, or disability of the insured

Satisfies the CNO's professional liability protection (PLP) requirement

Premiums start as low as $154 annually

Malpractice Professional Liability/Errors & Omissions – Firm (For Business Entities, Partnerships, Corporations)

Provides E&O insurance coverage to the partnership/entity for claims arising out of alleged/actual negligence in connection with the provision of professional services in the practice of nursing

Coverage is automatically extended to all non-professional employees of the partnership/entity. All professionals of the partnership/entity, such as RNs and RN(EC)s, will each need to purchase the Individual Malpractice Professional Liability/Errors & Omissions Insurance as noted above. Coverage is subject to the terms of the policy

Full Prior Acts coverage included

Limits of $1,000,000 $2,000,000 and $5,000,000 currently available, with higher limits available upon request

Defence Costs are in ADDITION to the limit of insurance

NIL Deductible

Security & Privacy Liability Coverage automatically included, subject to $50,000 per claim/aggregate sublimit. Option to increase to $250,000 sublimit available (subject to additional premium)

Employment Practices Liability Coverage automatically included, subject to $100,000 sublimit per claim/aggregate per policy period

Worldwide Territory coverage automatically included

Option to purchase tail/extended reporting period insurance up to 6 years in the event of cessation of business

Premiums start as low as $175 annually

Business Insurance – Property and Commercial General Liability Insurance

Provides the option to purchase insurance against the following key exposures in the operations of your business

Coverage for your business equipment and contents as per limit options available on the program

Coverage for business interruption (loss of revenue and additional expenses incurred) as a result of a property loss insured under the program

Coverage for theft of money, depositor's forgery, credit card forgery, computer theft and funds transfer fraud, per the limits available on the program

Coverage for third party liability as a result of negligence (i.e., slips and falls) – limits of $2,000,000, $3,000,000, and $5,000,000 currently available

Coverage for $2,000,000 Tenant's Legal Liability included

Coverage for Non-Owned Automobile Liability included (follows the CGL limit chosen)

Coverage for $1,000,000 Employers Liability included

Premiums start as low as $473 annually

For more information or to purchase NurseInsure coverage call The MAGNES Group Inc. at 1 800-650-3435 extension 324.

This is only an outline of the policy and should not be relied upon. Certain policy exclusions and limitations may apply in any given fact situation and limit the amount excluded and payable under this insurance coverage. Full terms and conditions of this insurance, including all exclusions and limitations are described in the policy document, a copy of which can be obtained from MAGNES.

MAGNES does not guarantee or make any representation or warranty that insurance can be placed on terms acceptable to a client.