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CAND Member Benefits

Following is a summary of CAND professional membership benefits. For a complete list of CAND membership benefits email info@cand.ca call us toll-free at 1.800.551.4381/local at 416.496.8633.

Malpractice/Liability and Clinic Insurance   
Aviva Traders Home & Auto   
MediDirect® Inc. Health Insurance   
Chase Paymentech® Merchant Services   
Scotiabank® Customized Banking Package   
Discounts on and FREE access to various subscriptions, databases, including:   

Malpractice/Liability and Clinic Insurance

The CAND has negotiated excellent malpractice and liability insurance packages for member NDs with Partners Indemnity Insurance Brokers. For more information contact Jo-Anne Raymond, Commercial Lines and Program Broker toll-free at 1.877.427.8683, email cand@partnersindemnity.com or visit www.partnersindemnity.com.


Professional Liability Insurance (Malpractice Insurance)

NDs are required to carry minimum limits of $2,000,000 Medical Malpractice Errors and Omissions Insurance. The current annual premium for this insurance is $450.00 for $2,000,000; $600.00 for $3,000,000; and $750 for $5,000,000. NO DEDUCTIBLE.


The Professional Errors & Omissions Insurance offered through Partners Indemnity Insurance Brokers provides NDs with their needed coverage and covers them for any claims made about naturopathic treatments or products prescribed as part of the treatment plan.


Small Business Package

Has been designed for practitioners who operate as independent practitioners and may operate out of different locations, including their home office. The Property, Crime and Commercial General Liability coverage has been designed so that it is completely portable. It covers wherever you are working. The property floater covers your equipment and dispensary at any place that you are at work as well as while it is in transit.


Clinic Professional Liability Insurance (Clinic Malpractice Insurance)

If any practitioner in the clinic is faced with a malpractice claim it is common for the clinic to be named in the claim as well. The Clinic Owners Medical Malpractice Error & Omissions Insurance insures the owner(s) of the clinic as well as non-professional employees of the clinic. It applies to clinics where there are multiple practitioners (of any kind) working together.


Depending on the business volume the annual premium ranges from $500.00 to $722.00 and above for $2,000,000 limits. For an additional premium, clinic owners can purchase $3,000,000 limits.


Note: Clinic Owners Medical Malpractice Errors & Omissions Insurance does not replace the requirement for each practitioner to carry their own individual malpractice insurance for the $2,000,000 minimum limit.


Clinic/Office Business Package

This policy provides insurance for Property and Liability type claims for owned or leased premises. Liability and Property claims involve such things as slip and falls, fire, windstorm, theft, break-ins, resulting in loss or damage to the your equipment, or dispensary. The annual premium starts at $700.00 and would apply to most policies. The basic policy includes $50,000 on property, $25,000 crime and $2,000,000 comprehensive general legal liability coverage.


Insurance for off site presentation

The CAND can provide you with a certificate of insurance for coverage of $2 million. Free of charge for all CAND members. Please allow 72 hours notice.


For more information about how the above insurance policies can benefit and protect you, visit www.partnersindemnity.com or contact Jo-Anne Raymond of Partners Indemnity toll-free at 1.877.427.8683,

email cand@partnersindemnity.com.

Aviva Traders Home & Auto

Group Home and Auto Insurance Program

Our Home and Automobile Insurance Program allows you to take advantage of competitive group rates and value-added products and services on your personal insurance needs.


The plan is administered and underwritten by Aviva Traders. Aviva Traders has been offering quality products and services to associations and unions for over 50 years, and they are one of the largest group insurance companies in Canada.


Members who participate in the program will receive the following benefits:

Choose from five payment options including a monthly payment plan with no interest or service fee. It’s your choice.
Extended service hours from 8 a.m. to 8 p.m., Monday to Friday. In minutes, obtain a quick and easy no-obligation quote right over the phone.
Optional "Aviva Road Assist" – emergency towing and more for your automobile at a very low price.
Optional "Six Star Protector" (guarantees no rating change in the event of an at-fault loss).
One-stop automobile Claims Appraisal and Repair service.
24 hour Emergency Claims Service 7 days per week. Report a claim anytime, anywhere.
Free and unlimited telephone advice on legal, home and medical issues. This product is free on all property policies.

MediDirect® Inc. Health Insurance


MediDirect® is a full service Third Party Administrator (TPA) of employee benefit programs which is a perfect fit for small businesses and organizations of any size, including sole proprietors. In addition to custom designing self funded medical plans, which allow all medical and dental expenses to be a business expense while receiving the funds tax-free, MediDirect® offers a variety of fully insured products which are available at group rates to individuals. With MediDirect® you won’t have the frustration of coordinating benefits through multiple vendors. We offer companies a single source for an extensive menu of benefit program third party administration services, including:

Health Spending Accounts (HSA)
Administrative Services Only (Claims Adjudication)
Health and Wellness Accounts
Flex Benefit Programs
Critical Illness
Long-term Disability
Catastrophic Medical
International Travel
Employee Assistance Plans
Medical Management Services including short and long-term disability management

In addition, MediDirect® has agreed to continue to extend the $100.00 one-time set up fee for CAND members (normally $250)!

Chase Paymentech® Merchant Services

Point of Sale Merchant Services


Chase Paymentech® is the exclusive preferred provider of Merchant Services for members of the Canadian Association of Naturopathic Doctors. As a leader in electronic processing, Together, Chase Paymentech® and CAND have tailored a program that help members maximize the value of their membership.


Download this flyer for more information or contact Chase Paymentech® today at 1.888.850.1134 and get more from your payment processor.


Scotiabank® Customized Banking Package

Scotiabank® provides an exclusive customized banking package for CAND Members and their employees. Get a comprehensive range of products and services to manage your business and personal banking, including:

Competitive financing rates
Flexible payback plans
Dedicated advisor
Money saving benefits
Preferred options for Business Accounts

Drop by your local Scotiabank branch today or call 1.877.252.6088.

Discounts on and FREE access to various subscriptions, databases, including:

Journal of Orthomolecular Medicine: 10% discount on journal and annual conference.
Townsend Newsletter: six additional months free with one year subscription.
CCNM Press: CAND members receive special pricing on CCNM Press titles.
NATURAL MEDICINES DATABASE (formerly natural standard) - FREE ACCESS - sponsored by Progressive Nutritional Therapies

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