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Small Business Insurance for Health & Wellness Providers

We understand that as a Health and Wellness Provider the services you supply are an important factor in the quality of life your clients lead. While you provide the best care for your clients, allow TD Insurance to customize a small business insurance package to help protect you and your set-up.

Speak to a licensed TD Insurance Advisor 1-855-724-2883 

Why you need Health & Wellness Provider Small Business Insurance

  • Accidents happen

    Protection from lawsuits if a client slips and falls and is injured on your premises.

  • Protect your property

    Financial coverage for your clinic or premises from damages caused by covered events.

  • Protect your equipment

    If your massage table or other equipment breaks down due to an insured event.

  • Business Income / Business Interruption

    If your clinic shuts down due to an insured event, let us protect your revenue.

Save up to 30% on your business insurance1

You may be eligible for discounts on your Commercial Property & Liability coverage. Call us at 1-855-724-2883 to see how much you can save.

  • Bundle and save

    Save 15% when you bundle your commercial property & liability with your commercial auto policy.1

  • Alumni & Professional savings

    Save 5% for eligible Alumni and Professional Groups.1

  • TD Customer Loyalty Discount

    Save 10% for being an existing TD customer.1

Health & Wellness Insurance is recommended for:

  1. Massage Therapists

  2. Counselling Services

  3. Physiotherapists

  1. Chiropractors

  2. Audiologists

Coverage Options for Health & Wellness Providers

 

 

It’s easy to choose the right coverage for your business with TD Insurance. We'll help build a customized insurance policy to fit your needs, so you'll be confident you're protected.

  • Commercial Property Insurance

    Helps provide coverage for health and wellness providers physical assets that they rely on to operate their business, including clinics, treatment rooms, equipment, furnishings, and other business properties. 

    • Protect your clinic or premises: Helps cover damage caused by covered events such as fire, water damage, or other insured losses. 
    • Protect essential equipment: Helps cover treatment tables, specialized wellness equipment, furnishings, and business property if damaged by a covered loss. 
    • Protect your income: Helps replace lost income and cover ongoing expenses if your practice is temporarily unable to operate due to a covered event. 

    Explore Commercial Property Insurance

  • Commercial General Liability Insurance

    Helps health and wellness providers manage the risk of third-party injury or property damage claims connected to their business operations. 

    • Protect against slip-and-fall claims: Helps if a client or visitor is injured while on your premises. 
    • Protect against property damage claims: Helps if your business activities accidentally damage a client's personal belongings. 
    • Help cover legal costs: Can help with legal expenses related to covered bodily injury or property damage claims. 

    Explore Commercial General Liability Insurance

  • Commercial Auto Insurance

    Helps provide coverage for health and wellness providers vehicles used for business-related travel and day-to-day operations. 

    • Cover business related vehicles: Helps protect vehicles used to travel between appointments, clinics, or client locations. 
    • Support mobile services: Important for practitioners who provide services at clients' homes or multiple locations. 
    • Keep your business moving: Helps reduce disruptions with access to rental vehicles following a covered accident. 

    Explore Commercial Auto Insurance

Claim Scenarios for Health & Wellness Providers

Potential Claim:

It is now the evening and you have finished conducting your wellness appointments for the day. As you're leaving your premises and approaching your vehicle, you notice your vehicle has been vandalized with graffiti all over it.

Potential Outcome:

Your comprehensive coverage helps provide coverage for your vehicle from damages that are not caused by a collision, such as weather-related events, vandalism and theft. Comprehensive insurance may cover the cost to repair your vehicle, or if the vehicle is found to be unrepairable, the Actual Cash Value of the vehicle would be determined and paid.

Potential Claim:

A fire ensues at your premises causing damage and forcing you to close your doors.

Potential Outcome:

The policy may respond to the fire damage, and as fire is an insured event, the policy may subsequently cover your income loss for the period your business is forced to shut down.

Need to make a claim?

Our TD Insurance Claims Advisors are ready to help make submitting a claim as easy as possible – we will support you throughout the entire process.

Call 1-855-724-2883 Call 1-855-724-2883

  • Get started with a quote online

    Get a customized quote for your business when you find the time, day or night. We know you are busy – let’s get you started right from where you are.

    Get a Quote

  • Insurance questions? Find the answers

    Can't find what you're looking for? Visit our TD Insurance Small Business FAQ page for additional help in answering your small business insurance-related questions.

    Browse FAQ

  • Visit our Advice Centre

    From retail to carpentry, you can visit our Advice Centre to find out which coverage options suit your business. Also, check out tools and resources available at your disposal. 

    Explore now

  • Call us by Phone

    Licensed TD Insurance Advisors are available to answer your questions and help you get started. Broker-free and ready when you are. Call us today.

    Mon-Fri 8am to 8pm
    Sat 9am to 4pm

    Call 1-855-724-2883 Call 1-855-724-2883

The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.

In the case of conflict between the content on this page and your policy wordings, your policy wordings shall prevail. Please speak to an Advisor or consult your policy wordings for further details.

TD Insurance refers collectively to the following insurance companies:

• Security National Insurance Company;
• Primmum Insurance Company;
• TD General Insurance Company;
• TD Home and Auto Insurance Company; and
• TD Life Insurance Company

TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec and distributed by TD Insurance Direct Agency Inc. in the rest of Canada.

1 Savings of up to 30% on your TD Insurance for Business Commercial Property and General Liability Insurance Policy can be obtained through a combination of the following three discounts:

Multi-Product Discount

You could save up to 15% on your Commercial Property and General Liability, and  5% on your Individually Rated Commercial Auto (“IRCA”) insurance policies when you insure a Commercial Property and General Liability policy and an IRCA policy with TD Insurance.

Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.

Offer may be changed, withdrawn, or extended at any time, without notice.

Alumni and Professional Group Discount

This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are a sole proprietor, majority owner, majority partner, or signing officer of a corporation, partnership or business entity designated as a TD Insurance policyholder and are members of a group or an association that have a group marketing agreement with TD Insurance.
This Offer provides a discount of 5% applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.

Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.

Offer may be changed, withdrawn, or extended at any time, without notice.


TD Customer Loyalty Discount

Eligibility

For the purposes of this Offer only, an "Eligible TD Customer" means a natural person who is a director, board member, signing officer, business owner, sole proprietor, or majority partner of a business entity and who:

• has a TD deposit account;
• has a TD Mortgage, a TD Home Equity FlexLine, or a TD loan or line of credit, secured or unsecured;
• has a TD credit card or other credit card issued by TD;
• has a TD investment product or account;
• has a TD automobile financing product;
• has a TD Insurance residential insurance or personal passenger automobile insurance policy;
• has a TD Insurance life insurance or accident and sickness insurance policy; or.
• has a TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance policy.

This Offer is for

A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024;
B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024, and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024; and
C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024.

Application

(A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024:

• This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024 and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024:

• This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024:

• The TD Small Business Banking Discount will be subsumed by the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

(D) Eligible TD Customers who are existing TD Insurance business insurance customers and not currently benefitting from the TD Small Business Banking Discount before April 21, 2024:

• As of April 21, 2024, these customers may contact a TD Insurance advisor to avail themselves of the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.

This Offer is not applicable to TD Insurance's individually rated commercial automobile insurance policies and their endorsements.

Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.

Offer may be changed, withdrawn, or extended at any time, without notice.

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