We are pleased to offer Professional Malpractice and General Liability Insurance. Only Practitioners of the Modalities specified having successfully completed the requisite training and certified by an applicable School or Association, while practicing in Canada are insured under the policy. Coverage is provided to the group with limits of $2,000,000 liability, $2,000,000 malpractice. for any single occurrence with an aggregate annual limit of $6,000,000 for all claims from the group in one year.

There are three choices of coverage:

Option 1—This option covers the modalities below, with the premium of $253.40, all fees included.

MODALITIES INSURED

Acupressure	Aromatherapy	Aquatic Exercise Therapy	Ayurveda Massage
Bach Flower Remedy	Biofeedback	Body Talk	Body Wraps
Bowen Technique	Brine Baths	Chair Massage	Chakra Balancing
Crystal Healing	Craniosacral	Eden Energy Medicine	Exfoliations
Facials	Healing Touch	Heller Work	Hot Stem Facial/Massage
Hot Stone Massage	Hydrotherapy	Indian Head Massage	Infrared Sauna
Ionization Detoxification	Iridology	Lomi Ancient Massage	Matrix Energetics
Nutrition Counseling	Polarity Therapy	Pranic Healing	Qi Gong
Raindrop Therapy	Reflexology	Relaxation Massage	RMT (excluding Ontario)
Reiki	Shamanic Healing/Coaching	Shiatsu	Sugaring
Swedish Massage	Tai Chi	Thai Massage	Therapeutic Touch
Touch for Health	Trager Approach	Trigger Point Therapy

Option 2—This option covers the modalities below, with the premium of 338.20, all fees included.

MODALITIES INSURED

Acupuncture (excluding Moxibustion)	Bio Energetic Intolerance Elimination	Cupping	Emotional Freedom Tech (EFT)
Homeopathy	Hydro-massage	Hypnotherapy	Lymphatic Drainage Massage
Yoga (exclude Hot/Bikram/Moksha)	Meditation Training	Sports Massage / Deep Tissue Treatment Massage	Theta Healing
Tuina	Sotai

Option 3—This option covers the modalities below, with the premium of 500.20, all fees included.

MODALITIES INSURED – Please indicate if you are applying for any of these modalities.

ARC - A Return to Consciousness	Ear Candling	Journey Practitioner
Heilkunst	NLP - Neuro Linguistic	Trigenics
Kairos/Shen Therapy	Indirect Moxibustion (excludes Direct Moxibustion)	Animal Massage (Supplementary Application Required)

Important Notice - Claims or Occurrences During Policy Term Your malpractice coverage is a Claims Made basis. All claims MUST be reported during the policy period in which you are first aware of a possible claim. Please ensure that any occurrence that MAY result in legal action is reported to Impact Insurance Brokers immediately. The liability is occurrence basis

Claims or Occurrences Prior to Coverage Inception
There is no retroactive date offered under this policy. Any occurrences prior to the effective date that may result in legal action are deemed to be outside the policy period and subsequently are not covered by this policy.

It is important to renew on time every year in order to ensure continuous coverage. If you do not intend to renew please notify us, in order to keep our records updated.
(If you miss the renewal time, a modest surcharge will apply).