Coverage for you and your business
We’ve Got You Covered
- $2,000,000 up to $5,000,000 in coverage available
- Month-to-month agreement, no contract
- Flexible coverage levels to meet any budget
Coverage Provided By Affinity Insurance
Affinity Insurance Inc. is a leading Canadian insurance brokerage, specializing in the design of programmes for industry associations, franchises, employers, affinity groups and niche classes of business.
Affinity Insurance has teamed up with Encon, a leading commercial insurer to provide our members with an exclusive and very affordable insurance programme to make sure you are protected.
For Our Members
DATAC wants our members to be financially protected. We are not insurance brokers and DATAC does not profit from this. Simply put, this insurance programme is for you and benefits only you.
Commercial General Liability
Click to expand each section to see what’s included in the CGL coverage
[d_toggle heading=”Bodily Injury”] Bodily injury provides coverage if you cause bodily injury to the individual you are conducting the test on or if you cause bodily injury to the individual representing the company or organization that your are providing services to. [/d_toggle] [d_toggle heading=”Property Damage”] If you damage the property of the individual you are conducting the test on or if you damage the property of the company or organization that your are providing services to, you’re covered.
Please note that this coverage does not cover your physical business equipment, property or stock. If you require coverage for business equipment, property or stock, you must purchase a separate policy.[/d_toggle] [d_toggle heading=”Personal Injury: Advertising”] This provides coverage if, as a result of your advertising, you cause quantifiable damage to a third party.
A possible scenario where this coverage might be applicable is as follows:
You advertise to potential clients that you can complete a certain number of tests in a certain period of time. The client contracts for your services on that basis and you fail to complete the number of tests in the time specified. As a result of your failure to complete the tests as advertised, the client loses valuable potential employees to a competitor and the related revenues those employees might have brought in and sues you. This coverage will protect you from this type of lawsuit.[/d_toggle] [d_toggle heading=”Medical Payments”] This provides coverage if you volunteer to pay for medical assistance for an individual who is injured while you’re providing your drug and alcohol testing services.
An example of this might be if you call an ambulance for an individual and the charges for the ambulance are billed to you.[/d_toggle] [d_toggle heading=”Tenant’s Legal Liability”] This provides coverage if you are temporarily set-up at a client’s premises to conduct drug and alcohol testing and you cause physical injury to, or you damage the property of, an individual in the area where your are conducting your tests.
An example of a scenario where this coverage might apply is as follows:
An individual trips on the electrical cord of an appliance that you might have plugged in or slips and falls on something you might have spilled.
This coverage differs from the commercial general liability: bodily injury & property damage coverage because it pays for claims arising from changes you have made to the physical work environment as opposed to your immediate action that led to the individual’s injury.[/d_toggle] [d_toggle heading=”Separation of Insured’s Cross-liability”] If you sue or are sued by another DATAC member, the policy provisions apply to you separately. [/d_toggle] [d_toggle heading=”Contractual Liability”] This provides coverage if you are sued as a result of a breach of contract.
For example; if you are unable and/or unwilling to provide your services as specified in a written and/or verbal contract and the other party sues you as a result, in this instance, contractual liability provides coverage.[/d_toggle] Professional Liability
Click to expand the below section to see what’s included in the Professional Liability coverage
[d_toggle heading=”Errors and Omissions”] This provides coverage for professional errors you make that result in a quantifiable loss to the individual you are testing and/or other individuals or entities.
An example of this might be if you were to contaminate, or mix-up, a specimen that was sent to a testing facility that results in an incorrect positive test result for an individual. As a result, the individual is terminated or suspended from employment or denied employment.
This coverage provides you with a legal defence and claim settlement against any legal claim brought by the individual in this scenario.[/d_toggle]