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Alert: We Are Open, But LMI Canada Office Closed to In-Person Visits Due to COVID-19

Our highest priority is the health and safety of our clients & staff and their families, as well as those in our network including our suppliers and company partners. Wait times may be longer than normal and we thank you for your understanding and patience.

LMI Canada Management


Your Commercial Insurance Policy in the Time of COVID19

As the provinces slowly open, we understand there is still a lot of concern and uncertainty around opening up a business again. We have reached out to Novex, the insurance company, and they have released the following statement in regards Covid-19:

The circumstances of each claim are unique, so it’s difficult to provide a broad answer to coverage questions based on hypothetical situations. However, your Professional Liability Policy shall continue to offer you the same coverages as it did prior to the pandemic.

In this context, should a patient file a legal action against you after allegedly contracting Covid-19 in your clinic, your existing coverage still applies according to its terms, conditions and exclusions and Novex will provide the same legal response as they would have prior to Covid-19.

LMI Canada’s recommendation is if you start seeing clients again follow all rules that are set in place by your provincial government and your governing body (should you have one). Put all precautions in place for sanitizing and use the proper protective equipment recommended by the provincial government These actions will limit the possibility of exposure and shows you took every precaution in the event that Novex is asked to defend you against an alleged claim.


Welcome to ineedapolicy.com, now insuring over 20,000 alternative health care practitioners in Canada.

Let the insurance experts at LMI Canada Insurance protect you from the unexpected. With a complementary healthcare policy for Professional and General Liability, you will have all the coverage you need. You are our top priority and we strive to make your life easier by taking away the stress in obtaining insurance coverage.

To simplify things for you, we have created specialized websites of our top modalities. The buttons for those modalities are shown above and provide a wide range of options. You can apply, renew or find pertinent information about your complementary healthcare practice.

LMI Canada Insurance has the unique ability to add more than 365 additional modalities to your policy for no extra charge. You do not have to worry about paying more when you enhance your skill set. Simply email your new modality to info@iNeedaPolicy.com and we would be happy to make the required change.

Our team of insurance professionals talks to practitioners across Canada every day and we enjoy helping you meet your needs with efficient service and friendly voices.  As part of our high service levels, we strive to produce your documents within two business days.

LMI Canada has the experience to know that claims do happen. For example, your client could slip and fall outside your workplace or a student could be injured during a class. If a claim should happen, our staff are here to help you through the process.  All you have to do is pick up the phone and give us a call.

We have spent more than 25 years working with Canada’s largest insurance company, educating them on the professional nature of complementary healthcare. Put our experience to work for you!

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