A deeper look at our target segments: Health and Social Services

As part of our focus on small-to-medium, community-based businesses, we’re taking a closer look at Health & Social Services, a core segment within our Commercial P&C portfolio.
From bustling clinics to quiet therapy rooms, we look for well-run operations with certified professionals, strong safety protocols, and a commitment to patient well-being. Our appetite focuses on quality risks, modern facilities, and partners who take pride in delivering trusted care. 
This overview may feel familiar to some brokers and continues to reflect the fundamentals that guide our approach to Health/Social Services risks.
Appetite at a glance






Business category 


Examples*




Medical practitioners


Gynecologists and obstetricians
Doctors and physicians
Surgeon specialists
Psychiatrists
Ophthalmologists
Anaesthetists
Dermatologists




Dental professionals


Dentists
Orthodontists
Periodontists
Dental laboratories
Denturists




Eye care specialists


Optometrists
Opticians




Other paramedical professionals


Acupuncturists
Chiropractors
Osteopaths
Registered reflexologists
Physiotherapists
Registered massage therapists
Psychologists
Podiatrists
Chiropodists
Audiologists
Hearing aid services




Nursing


Registered nurses




*All professionals must hold a valid registration or licence in their respective field.
General underwriting considerations



Specialized coverage needs: Evaluate whether the insured requires specialized coverage, such as our Professional Liability Extension. Gore offers this extension for select classes within the Health and Social segment, including optometrists, opticians, audiologists, and hearing aid specialists. Please note that the Professional Liability Extension does not replace Errors & Omissions (E&O) coverage, which is typically obtained through the insured’s professional college or association.
Professional certifications: Gore requires that the insured hold the appropriate professional certification for their specific designation and carry E&O coverage, such as massage therapists or psychologists. Professional associations often include E&O coverage as part of their membership benefits.
Submission quality: For health and wellness professionals, a clear submission is key! Include the Insured’s scope of practice and any product sales – plus details such as total revenues/payroll, number of offices, E&O coverage(s), and any activities beyond core services. This helps us holistically understand the risk and ensures a smooth underwriting process with a faster turnaround.
Premises condition and age: For businesses operating out of older buildings (40+ years), ensure that key systems (electrical, plumbing, heating, and roofing) have been updated and that the premises are well-maintained.

Real-world example: why we wrote this account
   

Client profile: Doctors and Physicians – Neurologist
Established: 2016
Annual revenue: $1M
Risk highlights:

E&O in place with their college
Fully licensed in their province of practice
All services offered are within Gore’s appetite
Claims-free history
Continuous coverage
New build – owner-occupied with snow removal contract in place


Why it was a fit:

Transparent quoting process with broker
Solid industry experience despite being a relatively new business 
No gaps in coverage or non-payments
Low-risk retail environment allowed for competitive pricing