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

From bustling clinics to quiet therapy rooms, the health services world is built on expertise and trust. Whether it’s a dental practice or a paramedical clinic, we look for well-run operations with certified professionals and strong safety protocols. Our appetite is clear: quality risks, modern facilities, and partners who put patient well-being first. Let’s prescribe coverage that’s as dependable as your clients’ commitment to health.
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



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 & 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 be certified for their specific designation and carries 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 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 the province in which they are practising
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 recent business start
No gaps in coverage or non-payments 
Low-risk retail environment allowed for competitive pricing