Pneus d’hiver et assurance auto
4 min
SPHQ, affiliated with CSN
Insurance for homeopaths in Quebec
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Welcome to Protec Pro powered by La Turquoise
The alternative medicine program is one of our flagship programs at Protec Pro, our division specialized in insurance for professionals.
- Speed: Distributed exclusively online, our program lets you get a quote quickly while giving you access to our dedicated team’s guidance.
- Tailored coverage: Insurance program adapted to the requirements of the various associations and oversight organizations in the sector.
- Competitive rates: Competitive pricing for self-employed practitioners and firm owners.
- Peace of mind: Our brokers’ expertise ensures you have the best protection for your practice.
- Specialized service: We support you through claims, and at every new stage of your business.
Continue to Protec Pro
To get your quote, you will be redirected to our secure Protec Pro platform.
Insurance tailored to the activities of homeopaths and complementary medicine practitioners
Every consultation involves professional liability. In addition to your practice, your business also needs protection.
More and more Canadians are consulting complementary medicine practitioners. Insurers now recognize these services for reimbursement purposes.
La Turquoise works with the Syndicat professionnel des Homéopathes du Québec (SPHQ), which is affiliated with the Confédération des syndicats nationaux (CSN).
As a broker, La Turquoise has been assisting natural medicine practitioners for more than 20 years. You can get a quote online or by phone.
Two conditions apply:
- be a member of a professional association;
- hold professional liability insurance.
Insurance available through La Turquoise can combine several of your activities under one policy:
- homeopathy;
- naturopathy;
- massage therapy;
- acupuncture;
- osteopathy;
- kinesiology;
- hypnotherapy.
The policy includes three essential types of coverage.
- Professional liability
It covers claims related to your advice or treatments. - Commercial general liability
It provides protection if a client is injured or property is damaged. - Property coverage
It protects your equipment, massage tables, therapeutic devices and office contents.
The insurance is designed for self-employed practitioners and offers pricing tailored to their needs.
Coverage may apply when you practise:
- in a private office;
- in a shared clinic;
- at your clients’ homes.
The insurance is available in all Canadian provinces.
Are you a member of a partner association?
Discounts on home and auto insurance may be available to you and your family members.
A collaboration between the Professional Union of Homeopaths of Quebec and La Turquoise
La Turquoise, in collaboration with the Professional Union of Homeopaths of Quebec (SPHQ), affiliated with the Confédération des syndicats nationaux (CSN), has developed an insurance solution tailored to homeopaths.
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This link takes you to the SPHQ website, a partner in this program. There, you can find more information about the organization.
Homeopath insurance coverage included in the alternative medicine program
See what the program covers- Professional liability: A client disputes a treatment or advice you provided during a consultation. This coverage protects you against liability arising from your professional care and services.
Depending on your situation, you can add three optional coverages.
- Commercial general liability: A client is injured at your office, or a visitor causes property damage. This coverage protects you against claims involving third-party bodily injury or property damage.
- Criminal defence costs: A formal complaint is filed against you. This coverage helps cover the legal costs of your defence.
- Business property and contents: This coverage protects your therapeutic equipment, furniture and office contents against covered damage or breakage.
- Loss of income: If a covered loss temporarily closes your place of practice, this coverage helps replace lost income during the interruption.
- Coverage for theft of money: This coverage protects your business if money is stolen by an employee or an outside party.
Benefits of the alternative medicine insurance program
Discover the benefits of the program- One policy for all your activities: Combine homeopathy, naturopathy, massage therapy, acupuncture or osteopathy under a single policy.
- No brokerage or financing fees: The price shown is the price you pay. There are no additional fees when you purchase your policy, and you can pay monthly without interest.
- Coverage designed for your profession: You do not need to search for endorsements or negotiate additional coverage. Coverage for risks specific to your practice is included as standard.
- No professional association membership required: You do not need to belong to a professional association to enrol in the program.
- Benefits for members of partner associations: If your association has an agreement with La Turquoise, a copy of your policy can be sent directly to the association. You may also qualify for an additional discount.
- Direct access to a specialized broker: La Turquoise has supported alternative medicine practitioners for more than 20 years. Your broker manages your file and represents your interests, not those of the insurer.
- Coverage available across Canada: The program can cover your practice in every Canadian province.
Partner associations in the program
You do not need to be a member of an association to enrol. Members of partner associations receive additional benefits, including a premium discount.
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- Académie des Naturopathes et Naturothérapeutes du Canada (ACNN)
- Association Nationale des Naturopathes (ANN)
- Alliance professionnelle des Naturopathes et Naturothérapeutes (APNN)
- Association professionnelle des ergonomes du Québec (APEQ)
- Ordre Canadien des Praticiens en Naturopathie et Naturothérapeutes (OCPNN)
- Association Can-Américaine des Massothérapeutes (ACAM)
- Mon Réseau (Réseau des massothérapeutes professionnels du Québec)
- Programme d'Enseignement Sportif et Culturel (PESC)
- Syndicat Professionnel des Homéopathes du Québec
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Save on your premium
Your La Turquoise broker helps you find the discounts that apply to your situation. Savings vary based on your profile and coverages. They let you lower your premium with ease.
Auto and home discount
Combining your auto and home insurance with La Turquoise may reduce your premium. Your broker explains the possible savings based on your situation.
Contact us for a quote
Multi-vehicle
Insuring multiple vehicles in the same place may qualify you for a discount. This option often applies when several drivers in the same household are insured together.
Good driver / personalized premium program (based on your driving habits)
A claims-free driving record may qualify you for a discount. Some insurers also offer a program that analyzes your driving habits and adjusts your premium accordingly.
Recommended coverages
Your program covers your professional and general liability. Other coverages can complement your protection based on your situation.
Cyber insurance
You store client files, session notes, or payment information. A breach of that data can engage your liability. Cyber insurance covers recovery costs, income losses, and regulatory fines in the event of a cyber incident.
Learn more about cyber insurance- A virus causes the disclosure of confidential client information.
- A hack makes health data stored in your system accessible to others.
- An email sent to the wrong recipient exposes personal information.
Contents and professional property
Your work equipment is a significant investment. This coverage protects your property against damage caused by a covered loss.
- A flood damages your massage table and office furniture.
- A fire destroys your therapeutic equipment and products in stock.
- Water damage affects devices in your practice space.
Equipment breakdown
Some therapeutic devices are costly to repair or replace. This coverage handles the sudden and accidental breakdown of your electrical or mechanical equipment.
- An electrical surge damages your light therapy device.
- A mechanical failure disables your neurofeedback equipment.
- A sudden breakdown of a laser therapy device requires immediate replacement.
Your questions about insurance for homeopaths in Quebec
Practising homeopathy raises several questions about insurance. Requirements, coverage, equipment and professional liability considerations may vary depending on your situation.
This section answers common insurance questions from homeopaths. It can help you assess the coverage that fits your professional practice.
Professional liability insurance is not always legally required in Quebec. However, it is strongly recommended for homeopaths who provide services to clients.
It covers financial consequences related to an error, incident or alleged harm arising from a consultation.
Professional associations, landlords or business partners may require this coverage.
Some insurers that reimburse complementary medicine services may also require practitioners to carry professional liability insurance.
Commercial general liability insurance covers bodily injury or property damage caused to a third party.
For example, a client could slip at the entrance to your office. An item could also be damaged during a visit.
Professional liability insurance, on the other hand, relates to your professional services. It may respond when a treatment, advice or the outcome of a consultation is disputed.
These two types of coverage address different risks associated with practising homeopathy.
Yes. Complementary medicine insurance available through La Turquoise can combine several activities under one policy.
You can practise homeopathy alongside naturopathy, massage therapy, acupuncture or another eligible discipline.
Depending on your situation, one policy may cover all your activities. This means you do not need a separate insurance policy for each discipline.
Complementary medicine insurance is available in all Canadian provinces.
A homeopath who practises in Quebec and another province can combine these activities under one policy.
Your broker will verify that your activities and practice locations are properly declared in your policy.
Coverage may apply to different practice locations.
You may practise in a private office, a shared clinic or your clients’ homes. Work-related travel may also be considered.
Tell your broker about all your practice locations when requesting a quote. This allows your broker to verify that your policy accurately reflects your situation.
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