Ergonomists in Quebec

Insurance for members of the Association professionnelle des ergonomes du Québec (APEQ)

Contact us for a quote

1.800.470.2504 info@protecpro.ca
Contact your broker
Woman stretching at her computer workstation to prevent musculoskeletal disorders, linked to risk management and professional liability insurance in Quebec.

An insurance partnership for APEQ member ergonomists

The Association professionnelle des ergonomes du Québec (APEQ) has partnered with La Turquoise, a damage insurance brokerage firm. Members in good standing have access to a professional liability and general liability insurance program designed for the realities of ergonomists in Quebec.

Available coverages also include:

  • professional liability for errors, omissions, or negligence in your work,
  • your work materials and specialized equipment,
  • your income if you can no longer practise,
  • your protection against theft.

This offer is reserved for APEQ members in good standing. A La Turquoise broker reviews your file and guides you toward coverages suited to your situation, whether you practise privately or as a self-employed professional in Quebec.

This partnership also includes a group personal insurance program available to you and your employees.

Discover available discounts

A collaboration between La Turquoise and APEQ

La Turquoise works with APEQ to support members in their insurance process. This collaboration reflects the reality of ergonomists practising in Quebec, whether privately, in a firm, or as self-employed professionals.

Coverages to consider for your ergonomics practice

Coverages included in the program
  • Your professional liability: an error in judgment, a disputed recommendation, or an omission in your work can engage your liability. This coverage applies to claims arising from your ergonomics practice.
  • Your general liability: damage caused to a third party during your activities can lead to a claim. This coverage applies to bodily injury or property damage for which you could be held liable.
  • Your work materials: the materials and specialized equipment used in your practice have real value. This coverage applies to property losses or damage occurring during your activities.
  • Your income: if you can no longer practise, this protection supports the financial continuity of your practice.
  • Your theft protection: this coverage applies to money or equipment stolen during your professional activities.

What this partnership changes for APEQ members

Discover what this means for your practice
  • Your reality as an ergonomist is considered from the first discussions about your file.
  • The situations discussed reflect what can happen in private practice or self-employment in ergonomics.
  • The partnership framework helps identify what should be reviewed based on your work and clientele.
  • Members with employees have access to a group personal insurance program through this partnership.

Save on your premium

Your La Turquoise broker helps you identify discounts that may apply to your situation. These savings vary depending on your profile and coverages.

Coverages to consider based on your situation

Depending on the nature of your practice, other coverages may be relevant to review. These coverages depend on your professional context and should be assessed based on your situation.

Cyber risks

Your work involves managing sensitive data about your clients and the workers you assess. This protection covers certain consequences linked to a breach of your digital information security or unauthorized system access.

  • Confidential information about workers is shared after a cyberattack.
  • Your assessment files are deleted or made inaccessible.
  • Unauthorized access compromises your online work tools. 

Equipment breakdown

Your computer, specialized software, and measurement equipment are essential tools in your practice. This protection covers sudden and accidental breakdown of your electronic equipment, along with resulting damage.

  • A power surge damages your computer and client file data.
  • Measurement equipment used during an intervention is accidentally destroyed.
  • Your communication system breaks down unexpectedly. 

Directors and officers liability

Some ergonomists sit on the board of a non-profit organization or a professional committee. This protection covers financial damage caused to a third party arising from a decision made in that role.

  • An administrative decision is challenged and leads to legal action.
  • An unfulfilled promise made during hiring results in a claim.
  • A change in internal policy causes harm to a partner or beneficiary. 

Your questions about insurance for ergonomists

Before purchasing coverage, several questions often come up. Here are useful answers to help you understand your options.

You make recommendations that can directly affect your clients’ working conditions. If one of them is disputed, a claim could be filed against you, even if you are not at fault.

The profession is not regulated in Quebec, so no law requires you to hold this coverage. However, a single dispute can lead to significant costs, whether you work privately or as a self-employed professional.

This insurance covers claims related to errors, omissions, or negligence in your work. It applies when your professional judgment is challenged.

These are two complementary coverages that do not apply to the same situations.

Professional liability applies when your expertise is questioned. For example, an employer disputes your ergonomic analysis or the workplace adjustment recommendations you made.

General liability covers what happens around your practice. For example, a client is injured while visiting your office, or property damage occurs during an intervention at a client’s location.

Both coverages can be purchased together. Depending on your professional context, one may be more urgent to put in place than the other.

Costs related to legal action can be significant, even if you are not at fault. Lawyer fees, procedural costs, and lost time can add up quickly.

The program includes coverage for defence costs in criminal matters. It may apply if proceedings are brought against you as part of your professional activities, even if the outcome is unfavourable.

Specific conditions vary depending on the options selected. They are detailed when you join the program.

If you have been practising for several years, it is important to review this point before joining. A claim can arise long after an intervention has been completed.

The program includes a retroactive date. This date determines how far back your past interventions are covered. It usually corresponds to the date of your first uninterrupted insurance of the same type.

Supporting documents may be required to confirm this continuity. It is best to discuss this when joining to avoid any gap in coverage.

Some ergonomists work with clients whose facilities are located in other provinces or internationally. The territorial scope of your policy depends on its specific conditions.

To make sure your coverage reflects your actual practice, it is important to describe your work settings accurately when joining. If you regularly complete assignments outside Quebec, your situation can be reviewed to determine whether broader coverage is relevant.

Practical advice for everyday life

See all our tips

Protect my business now

Contact us for a quote

1.800.470.2504 Contact form

Insurance solutions built around your daily reality

Because every situation is different, we offer coverage options adapted to your reality, whether they relate to your property, your activities, or your business.