LMS PROLINK Ltd. has partnered with MRIA to be the provider of its member insurance programs. All corporate members are eligible for the Liability and Property insurance products available under the programs. All members are eligible for the Group Health Benefits and Life Insurance products available under the programs.

A) Professional Liability
(also known as Errors & Omissions Insurance, and Malpractice Insurance)

• Critical coverage for professional negligence and errors committed by you or an employee.
• Broad coverage tailored for MRIA members
• Significant premium discount relative to the "regular" insurance market, especially for Gold Seal Certified Agencies and firms with CMRP principals.
• Free Legal Assist - access to a lawyer for legal advice at no cost to E&O policy carriers

• The policy covers your legal defense costs and damages if you are found liable.
• Government & private sector clients are demanding that members maintain E&O.
• Liability coverage available from $500,000 to$5,000,000 per claim.
• Additional premium discounts provided for Gold Seal - Certified Agencies and firms with CMRP principals.

• Take advantage of greater buying power through the MRIA.
• Save a minimum of 25% on the E&O compared to general marketplace rates.
• Additional premium discounts provided for Gold Seal - Certified Agencies and firms with CMRP principals.

1. Invasion or infringement of privacy or publicity, including publication of private facts;
2. Actual or alleged infringement of title, trademark, copyright, trade name or misappropriation of ideas;
3. Product disparagement, trade libel.

• E&O policy covers services provided to US clients.
• Traditional E&O policies may exclude claims brought within the US. Check your policy.
• MRIA offers a simpler application process. Many traditional insurers will either decline to provide E&O coverage or ask extensive questions on your US activities.
• Members deriving revenue from US clients should experience even greater savings because traditional insurers heavily surcharge firms with US derived revenues.
• Coverage for services delivered to US clients is typically 15% lower than general rates.

• Many traditional CGL policies will not cover libel & slander claims.
• Government & private sector clients are demanding that members maintain CGL.
• Standard policy starts with $1,000,000 in coverage. $5,000,000 is easily available.
• Small firms can obtain $1,000,000 in coverage for only $350.

• It is better to have one insurer cover both forms of liability insurance.
• Only have to worry about one policy renewal date.
• One broker to contact with certificate requests or updates on changes to your business.

• Every business needs to protect its property - from buildings and furniture to computer equipment, phone systems and money/securities.
• Business interruption covers the replacement of lost income and extra expenses incurred as a result of your operations being impaired (damage to your office).

• Employee dishonesty coverage, stolen money/securities, cheque forgery and computer fraud committed against your firm are all covered and automatically included in the package.
• Many government and corporate contracts are requiring members to maintain Crime insurance extending to cover your client (often referred to as Fidelity Bonds). We can obtain crime coverage / bonds ranging from $10,000 to $5,000,000 in coverage.