What We Cover


Errors & Omissions

 Covers professional liability for negligence while providing professional services


General Liability

Covers the insured from a variety of claims including bodily injury, property damage, personal injury and others that can arise from their business operations



Covers the cost to repair or replace personal items in the event of fire, theft or other accidental damage

Welcome to Professional Liability Insurance with Oracle RMS Ontario

For working professionals operating a commercial business individually or for companies with up to 20 employees in Canada, we offer a quick and easy solution in providing the right coverage instantly when you need it.

Professional liability insurance, also known as errors and omissions liability insurance, provides your insured professional services liability coverage for negligence, such as “alleged failure to do on the part of, financial loss caused by, and error or omission within the services offered or product sold by your business”. This type of protection will cover legal fees for your defense, if a suit has been brought against you, whether you’re liable or not.

For example, a publishing company used the same images from a popular catalogue in its own publication, which resulted in the original catalogue seeking compensation from the publishing company upon discovery for breaching copyright laws.

As a professional, the failure to meet one of your many responsibilities or requirements of your profession could have serious consequences that will not only jeopardize the financial stability of your business, but your personal assets as well.

By buying professional liability insurance, you are able to choose coverage limits of up to $5M with additional commercial general liability, privacy breach and COED packages add-ons to fit your business needs. You will receive a direct quote, and then you have the choice to bind online. Once bound, there will be instant access to your policy documents. Through this quick and easy process, know that your business operations can now be covered.

Examples of Professionals


Accounting Firm




Business Consultants



Home Inspectors

Human Resources

Interior Designers

IT Specialist/Programmer

Media Professionals

Quality Control Consultants



Project Managers

Recruitment Consultants

Staffing Agencies

Structural Engineers

Therapist Professionals

Travel Agencies

Website Designers

 Engineers & Consultants

Businesses that don’t require a license or certification (Tech & IT roles), will still need Professional Liability insurance, because they provide expert advice
Professional liability claims are increasing due to the miscommunication over coverage between the client and broker/insurance company
Malpractice Insurance: Specific to doctors, dentists, optometrists and other healthcare providers
Lawyers Professional Liability Insurance: Specific to legal firms
Some charities and other non-profit organizations can also have professional liability insurance

Canada's Top 5 Professionals 2019

Nurse Practioner

431,769 in Canada

155,570 in Ontario

389,648 are female and 37,636 are male


21,109 in Canada

11,150 in Ontario

95% work in Ambulatory health care services 

Utilities Manager

7,100 in Canada

3,100 in Ontario

59% work in utilities, 15% work in management and administrative services, 6% work in construction, 5% work in wholesale trade

Power Systems Electrician

5,000 in Canada

1,700 people in Ontario 

61% work in utilities, 34% work in construction

Mining & Quarrying Supervisor

8,300 in Canada

2,000 in Ontario

89% work in mining, quarrying & oil and gas extraction, 5% work in construction

Due to the many classes of professions, you will receive the right Professional Liability insurance coverage that will suit your particular wants and needs. All you have to do is sign up online! Purchase your professional liability insurance package today! Should you require some assistance with the quoting process, contact Oracle RMS Ontario to speak directly with one of our licensed brokers who will be more than happy to help you.

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