Archives: omnipraticiens

More than ever, cyber risks or cyber threats are making headlines and for good reason! These IT security risks are multiple and as difficult to avoid on a daily basis as to overcome in the long term: phishing emails, viruses and malware lurk at every turn. Cybercriminals can exploit a loophole to gain access to your information and that of your patients. In a medical context, the risk is untenable. As soon as your practice uses the Internet in the course of your activities, the reality is that you’re already living with such risks.

Why insure against cyber risks?

For a medical practice, any security breach has potentially catastrophic consequences. You may suffer significant financial losses, see your activities completely disrupted and lose the aura of security essential to the medical profession. Despite all the cybersecurity tools available to companies, current events show that the risk still exists. Hence the importance of insurance coverage to limit your losses and the impact of a cybercriminal act on your patients.

You wish to find out more? Ask us for advice.

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CYBERUN – Your ally in the event of a computer attack

 Imagine this scenario: Your practice is the victim of a hacker who infects the computer system using a computer virus. This virus makes it impossible for doctors to access patient records, in addition to partially erasing certain data. This attack also affects all the activities of the clinic, which is no longer able to confirm or make appointments with patients.

In such a case, the Cyberun guarantee helps you ensure the continuity of your activities if you suffer financial losses following a computer attack. Such an attack can disrupt the operation of your business by causing damage to your data, operating systems and software.

This coverage will cover, among other things:

• Support services offered by companies with expertise in the field of information and communications technologies
• Cost of replacing lost or corrupted data
• Costs for restoring systems or reinstalling computer programs and removing any malicious code
• Operating losses and additional costs incurred during the period when the recovery of data and computer systems will take place

We help you restore your identity

Unfortunately, as a practice owner, you can also be a victim of identity theft. Identity theft is the fraudulent use of personal identification information that may be used to commit criminal acts, illegally establish credit accounts, secure loans or enter into contracts.

For example, let’s say that a few months after losing your wallet during a trip to Toronto, you were denied a credit application for reasons that do not correspond to the health of your financial situation. With the identity restoration guarantee, benefits include among other things:

• Telephone assistance service
• The assistance of a professional in identity restoration who will guide you through all the stages of the process
• Reimbursement of certain fees (e.g. fees related to credit agency reports)

Business expense or office overhead insurance is an important coverage that will help you pay your fixed costs according to the insured amount and the indemnity period you have chosen. From your employees’ salaries to your rent, electricity bills and more, avoid the negative impacts of an illness or injury that could prevent you from working for a few months. That way, you can take care of your recovery worry-free!

Did you know that business expense or office overhead insurance premiums are tax-deductible business expenses?

Choose this type of coverage to protect your future and your employees in every way:

• Employee salaries
• Rent
• Public services and utilities
• Professional membership fees
• Equipment depreciation
• And more!

You wish to find out more? Ask us for advice

Speak with an advisor

Are you a practice or clinic owner? Have you thought about protecting yourself in case of civil liability, fire or theft? Click here to learn more.

The hour of retirement will soon ring? It is recommended to prepare well for this brand-new stage of life. As a general rule, the following coverages must be considered and adjusted:

Disability:
Disability insurance is salary insurance. If you work less or stop working, it is normal to adjust your coverage. Have you achieved financial independence and are still working? Maybe you just don’t need that coverage anymore.

Overhead:
During retirement, it is important to quickly notify your advisor to stop this coverage.

Travel insurance:
If you are thinking of taking advantage of retirement to travel, good travel insurance will be necessary. Contact us to plan the transition and choose the product that will best meet your needs.

Life insurance:
With retirement, do your coverages still meet your needs? Is your beneficiary designation up to date? Retirement is a good time to review your life insurance coverage in general.

The purchase of an annuity
Do you want a portion of your retirement income to be guaranteed? The purchase of an annuity allows you to receive a fixed amount for a determined period of time or throughout your retirement. The amount of the annuity will be determined by the amount you can invest, the length of the payments and the interest rates offered at the time of purchase.

You wish to find out more? Ask us for advice.

Speak with an advisor

Sogemec Assurances advisors work in collaboration with the FMOQ Funds team. A subsidiary of the Fédération des médecins omnipraticiens du Québec (FMOQ), the FMOQ Funds companies’ mission is to contribute to the prosperity of general practitioners by offering them high-quality products and services at the best possible cost, for their personal and professional needs.

• Investment solutions
• Private management (discretionary)
• Financial planning
• Analysis for incorporation
• Clinic management support
• Medical billing

To find out more, feel free to ask your Sogemec consultant to put you in touch or get in touch directly by visiting their website.

 

Your accountant has probably already warned you: growing wealth means higher tax rates and excess capital. Business owners are usually looking for solutions to manage the assets they have accumulated there. The wealthier people are, the more they become accustomed to a higher standard of living and the more they have to lose. Life insurance is a guarantee that serves to protect the investor’s lifestyle, no matter what the future holds.

By professionals for professionals

Without a financial security advisor to talk about insurance on your financial planning team, you are missing out on proven investment and tax strategies! At Sogemec Assurances, take advantage of the services of professionals with all the essential expertise to help affluent investors protect their assets, as well as preserve and maximize the value of their heritage. That way, you will be able to make your own informed decisions.

 A tool to grow your capital

Term life insurance is a recognized tool for covering your short-term needs such as a mortgage, but what about your very long-term life insurance needs (known as estate)?

The amount of insurance you need to protect your wealth may be more than you think. That’s why it’s important to include a financial security advisor on your financial planning team, at the risk of missing out on highly profitable investment and tax strategies. It is just as essential to carry out an analysis of your needs and objectives to put in place the appropriate insurance solutions.

You wish to find out more? Ask us for advice.

Speak with an advisor