Coverage Highlights

  • Broad form Totten Manuscript Wording
  • Combined Professional and General Liability
  • Costs in Addition / Costs Inclusive options
  • Can include all staff and volunteers
  • Can include Worldwide/Foreign operations
  • Legal Expense for Disciplinary Actions Professional Liability on a Claims Made form General Liability on an Occurrence Form

Life Sciences

  • Big Pharma
  • Clinical Trials
  • Medical Supply /Equipment Companies
  • Products/Public Liability Combined Form
  • Products Recall Coverage

Totten’s Edge

With strong support from the top domestic markets and Lloyd’s specialists, Totten has one of the leading healthcare practices in Canada. We work with legal and claims experts in healthcare and offer a bespoke wording to meet your clients’ specific needs.

Totten takes a holistic approach to serving the complex risks in the healthcare sector.

Target Classes

  • Lower Hazard Risks
  • Association and affinity
  • Walk-In Clinics
  • Sports and wellness clinic
  • Family Practice clinics
  • Physiotherapy clinics
  • Radiology clinics
  • Weight loss clinics
  • SPAs
  • Holistic practice clinics
  • Traditional Chinese Medicine clinics

Medium Hazard Risks

  • Clinics with multiple practices, obstetrics, cancer treatment, pathology and physiotherapy
  • Clinics, including obstetrics exposure
  • General Surgical Centers
  • Emergency medical clinics (minor surgical procedures)
  • Optometrists practice and opticians
  • Pharmacies
  • Telehealth/telemedicine
  • Community health organizations, including water testing
  • Drug/Alcohol treatment centers
  • Occupations health
  • Air ambulance (no foreign patient or obstetrics exposure)
  • Medi-SPAs
  • Senior Care facilities

Complex Hazard Risks

  • Any risk with foreign and US exposure
  • Surgical Centre (specific practice or multiple practices)
  • Overnight stay and any use of anesthetics
  • Weight loss - bariatric surgical centers
  • Nurse practitioner operations (nursing stations)
  • Air ambulance with foreign exposure and obstetrics exposure
  • Midwifery
  • Fertility/IV clinics
  • Large national medical operations with multiple practice segments
  • Ophthalmology
  • Obstetrics
  • Hospitals
  • Life Sciences (clinical trials) Canada and Foreign
  • Cannabis Producers
  • Ultrasound (post 20 weeks)

For new submissions please contact us toll-free at 1-888-868-8367, or email