How does Professional Legal Expense Insurance (PLEI) coverage differ from CMPA?
Professional Legal Expense Insurance (PLEI) for Physicians and Surgeons is a unique product, specifically designed to provide indemnity coverage to professionals. This distinguishes it from the cover that is provided by the CMPA, which is discretionary.
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Doesn’t my Professional Liability Insurance provide me with this cover?
PLEI covers matters NOT covered by professional liability insurance. Such matters include:
- Criminal charges
- Breach of contractual right of access to health facilities
- Regulatory issues
- Employment disputes
- College complaints and Disciplinary actions
- OHIP Billing investigations
- Physician Audit Board investigations (replaces Medical Review Committee)
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Doesn't getting a lawyer involved just make things more complicated and more expensive to settle?
If the right steps are taken at the very start, problems can often be resolved quickly or a suitable compromise reached between the parties involved without costly settlements or long, drawn-out court cases that can take you away from your patients and your practice and damage your professional reputation.
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What are the policy limits?
This insurance will pay the reasonable legal fees and expenses of the lawyer (subject to a maximum hourly rate of $275) up to a maximum of $100,000 per claim with a $250,000 annual aggregate limit (maximum payable per year) For more information about policy coverage and limitations, please click here.
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If you need more information, please email us at info(at)sterlon.com
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