Oshawa Professionals and Liability: The Importance of Adequate Coverage


If you are a professional currently operating in the Oshawa region, chances are that you are not immune to being sued. This does not come as a surprise — you are, after all, hired to perform a certain task. Failure to perform this task can often negatively impact the lives of other people. In this situation, it is normal to expect someone to sue you over an error or omission that you may have committed. Workers in the medical and law fields have to deal with the threat of being sued on a daily basis, but if you do not work in those two fields it doesn’t mean that you can’t be sued.

The rule of thumb is as follows: If you work in a field in which¬†the threat of being sued over an error or omission that you might (or might not) have committed exists, then you need to be covered under an Oshawa professional liability insurance policy. It’s as simple as that.

We cannot stress enough the importance of adequate coverage. Without it you are simply putting too much at risk. It doesn’t matter if you think that you would never make a mistake or if you think that your clients are too nice to sue you — some people used to think this way as well before having their entire career ruined as a result of a lawsuit.

And even if a lawsuit does not ruin your career, then you will still have to carry the burden of proving your innocence by yourself — something which could have easily been avoided had you decided to purchase a professional liability insurance policy and let your insurance company carry the burden for you.


Professional Liability Insurance/PLI

(Errors and Omissions Insurance)

  • Flawed professional advice and services that may have resulted in financial loss to the customer or client.
  • Protects professional individuals or companies from responsibility of the full cost of defending against a negligence claim and damages awarded in such a civil lawsuit.
    • Professional liability insurance covers the costs of judgments, settlements and legal defense.
    • Damages paid under a professional liability policy are typically financial rather than physical.