British Columbia
Following is a summary of CAND professional membership benefits. For a complete list of CAND membership benefits email info@cand.ca call us toll-free at 1.800.551.4381/local at 416.496.8633.
Malpractice/Liability and Clinic Insurance Aviva Traders Home & Auto MediDirect® Inc. Health Insurance Chase Paymentech® Merchant Services IQAir® discount program exclusive to CAND members Discounts on publications & access to forums Malpractice/Liability and Clinic Insurance
The CAND has negotiated excellent malpractice and liability insurance packages for member NDs with Partners Indemnity Insurance Brokers. For more information contact Jo-Anne Raymond, Commercial Lines and Program Broker toll-free at 1.877.427.8683, email cand@partnersindemnity.com or visit www.partnersindemnity.com.
Professional Liability Insurance (Malpractice Insurance)
NDs are required to carry minimum limits of $2,000,000 Medical Malpractice Errors and Omissions Insurance. The current annual premium for this insurance is $475.00 for $2,000,000 and $612.75 for $3,000,000. NO DEDUCTIBLE.
The Professional Errors & Omissions Insurance offered through Partners Indemnity Insurance Brokers provides NDs with their needed coverage and covers them for any claims made about naturopathic treatments or products prescribed as part of the treatment plan.
Small Business Package
Has been designed for practitioners who operate as independent practitioners and may operate out of different locations, including their home office. The Property, Crime and Commercial General Liability coverage has been designed so that it is completely portable. It covers wherever you are working. The property floater covers your equipment and dispensary at any place that you are at work as well as while it is in transit.
Clinic Professional Liability Insurance (Clinic Malpractice Insurance)
If any practitioner in the clinic is faced with a malpractice claim it is common for the clinic to be named in the claim as well. The Clinic Owners Medical Malpractice Error & Omissions Insurance insures the owner(s) of the clinic as well as non-professional employees of the clinic. It applies to clinics where there are multiple practitioners (of any kind) working together.
Depending on the business volume the annual premium ranges from $500.00 to $722.00 and above for $2,000,000 limits. For an additional premium, clinic owners can purchase $3,000,000 limits.
Note: Clinic Owners Medical Malpractice Errors & Omissions Insurance does not replace the requirement for each practitioner to carry their own individual malpractice insurance for the $2,000,000 minimum limit.
Clinic/Office Business Package
This policy provides insurance for Property and Liability type claims for owned or leased premises. Liability and Property claims involve such things as slip and falls, fire, windstorm, theft, break-ins, resulting in loss or damage to the your equipment, or dispensary. The annual premium starts at $700.00 and would apply to most policies. The basic policy includes $50,000 on property, $25,000 crime and $2,000,000 comprehensive general legal liability coverage.
Insurance for off site presentation
The CAND can provide you with a certificate of insurance for coverage of $2 million. Free of charge for all CAND members. Please allow 72 hours notice.
For more information about how the above insurance policies can benefit and protect you, visit www.partnersindemnity.com or contact Jo-Anne Raymond of Partners Indemnity toll-free at 1.877.427.8683,
email cand@partnersindemnity.com.
Aviva Traders Home & Auto
Group Home and Auto Insurance Program
By now you are aware of our Home and Automobile Insurance Program that allows you to take advantage of competitive group rates and value-added products and services on your personal insurance needs.
The plan is administered and underwritten by Aviva Traders. Aviva Traders has been offering quality products and services to associations and unions for over 50 years, and they are one of the largest group insurance companies in Canada.
Members who participate in the program will receive the following benefits:
 | Choose from five payment options including a monthly payment plan with no interest or service fee. It’s your choice. |
| Extended service hours from 8 a.m. to 8 p.m., Monday to Friday. In minutes, obtain a quick and easy no-obligation quote right over the phone. |
| Optional "Aviva Road Assist" – emergency towing and more for your automobile at a very low price. |
| Optional "Six Star Protector" (guarantees no rating change in the event of an at-fault loss). |
| One-stop automobile Claims Appraisal and Repair service. |
| 24 hour Emergency Claims Service 7 days per week. Report a claim anytime, anywhere. |
| Free and unlimited telephone advice on legal, home and medical issues. This product is free on all property policies. |
MediDirect® Inc. Health Insurance
MediDirect® is a full service Third Party Administrator (TPA) of employee benefit programs which is a perfect fit for small businesses and organizations of any size, including sole proprietors. In addition to custom designing self funded medical plans, which allow all medical and dental expenses to be a business expense while receiving the funds tax-free, MediDirect® offers a variety of fully insured products which are available at group rates to individuals. With MediDirect® you won’t have the frustration of coordinating benefits through multiple vendors. We offer companies a single source for an extensive menu of benefit program third party administration services, including:
| Health Spending Accounts (HSA) |
| Administrative Services Only (Claims Adjudication) |
| Health and Wellness Accounts |
| Flex Benefit Programs |
| Insurance |
| Critical Illness |
| Long-term Disability |
| Catastrophic Medical |
| International Travel |
| Employee Assistance Plans |
| Medical Management Services including short and long-term disability management |
In addition, MediDirect® has agreed to continue to extend the $100.00 set up fee for CAND members!
Chase Paymentech® Merchant Services
Point of Sale Merchant Services
Chase Paymentech® is the exclusive preferred provider of Merchant Services for members of the Canadian Association of Naturopathic Doctors. As a leader in electronic processing, Chase Paymentech® can help you save money with preferential transaction processing rates as low as 1.80% for VISA and MasterCard and $0.09 for INTERAC transactions. In addition the $50.00 application fee is WAIVED and we will deposit all your card transactions directly into your bank of choice – with no additional fee charged by Paymentech.
Contact Chase Paymentech® today at 1-877-552-5533 and get more from your payment processor.
IQAir® discount program exclusive to CAND members
The world’s most advanced air purifiers. Transform your space into a pure air sanctuary.
Visit www.insideair.ca or call Derek Thompson at 905.285.0244/e-mail dthompson@insideair.ca
IQAir® is a Swiss manufacturer of the world’s #1 rated air purifiers and the most used air cleaning brand in hospitals worldwide.
Exclusive to CAND members:
- 15% discount on all IQAir® products available at www.insideair.ca
- Free shipping within Canada
Discounts on publications & access to forums
| Journal of Orthomolecular Medicine: 10% discount on journal and annual conference. |
| Townsend Newsletter: six additional months free with one year subscription. |
| CCNM Press: CAND members receive special pricing on CCNM Press titles. |
