The Canadian Dental Hygienists Association

Business Coverage Options

Commercial General Liability Coverage

Commercial General Liability insurance provides coverage to protect against claims arising from injury or property damage that you (or your business) may cause to another person as a result of your operations and/or premises (for example, a client may slip and fall on a wet floor and injure themselves, you may cause damage to a client’s home or to a facility in which you practice).

This member-exclusive coverage is recommended for CDHA members who own or operate clinics, work independently or operate a mobile practice. Coverage is also recommended for independent practitioners who contract out their services or bill under their business name.

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Clinic/Business Package Insurance

This CDHA member-exclusive policy provides insurance coverage for members who are operating a business. The Clinic/Business Package provides coverage to protect your office and the contents within from losses associated with property damage (such as fire) and crime. It also provides coverage if your business is sued for bodily injuries to a third party that occur within your workplace, not related to professional negligence. Included are Commercial General Liability coverage, Property Insurance and Crime protection to ensure comprehensive coverage for your business. The property coverage also extends to cover your property in transit if you operate a mobile practice.

Commercial General Liability insurance provides coverage to protect against claims arising from injury or property damage that you (or your business) may cause to another person as a result of your operations and/or premises (for example, a client may slip and fall on a wet floor and injure themselves).

Property coverage protects against damage to contents, including medical equipment, and loss of revenues caused by an interruption of business activities arising from an insured loss.

Crime coverage protects against financial loss due to dishonesty, fraud; or theft of money, securities or other property owned by the office/clinic.

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Clinic Professional Liability

In the event of a claim, both the treating professional (any regulated health professional) and the business are likely to be named in a statement of claim or lawsuit. Clinic Professional Liability Insurance protects the business and its assets in such circumstances. With the CDHA Insurance Program, you now have the option to purchase Clinic Professional Liability insurance. If you are a sole proprietor, this coverage is included at no additional cost and coverage limits are shared between you and your business name. However if you have employees and/or other regulated health professionals billing under your business name it is recommended that you purchase Clinic Professional Liability insurance.

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Cyber Security and Privacy Liability Coverage

Cyber Security and Privacy Liability coverage is provided to meet the increased exposures related to potential data security and privacy breaches. CDHA members participating in the CDHA Business insurance program are eligible to purchase Cyber Security and Privacy Liability coverage.

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Employment Practices Liability

Employment Practices Liability Insurance (EPL) includes coverage for defense costs and damages related to various employment-related claims including allegations of wrongful termination, discrimination, workplace harassment and retaliation. Click here for additional information

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