The Canadian Dental Hygienists Association

Individual Professional Liability Insurance

Exclusive to members of CDHA, while practising in Canada.

Regular interaction with clients is a consistent part of any dental hygiene practice and is a daily occurrence. With this in mind, you may face situations where your clients look to hold you responsible for injuries they deem to have received.

Professional Liability insurance protects you against liability or allegations of liability for injury or damages that have resulted from a negligent act, error, omission, or malpractice that has arisen out of your professional capacity as a dental hygienist.

It is important to note that coverage is afforded on a “claims-made and reported” basis and will respond to claims made during the policy period. This means that the policy which is in place when a claim is made will be the policy to respond – regardless of when the incident occurred. Therefore, it is extremely important there is no lag or gap in coverage between policy periods. Coverage needs to be continuously in place to ensure you are continuously protected.

Your Professional Liability Insurance also provides you with the following coverage:

Regulatory Legal Expense (Disciplinary) Cover

Coverage is provided for legal expenses associated with having to appear at a disciplinary hearing with a provincial regulatory body or agency. In the event of a complaint or investigation, members are provided with superior legal representation and defence protection. Examples of Regulatory Legal Expense claims include complaints alleging professional misconduct, incompetence, or incapacity.

Criminal Defence Costs Reimbursement

Coverage will reimburse insured members for defence costs associated with a case filed under the criminal code if the professional service was rendered in Canada and the member is found ‘not guilty’ of the criminal charge.

Loss of Earnings

If you are asked to attend a trial, pre-trial, or appeal to assist in the defence of your claim, requiring time off work, you will be reimbursed for your loss of earnings up to $750/day.

If you operate a clinic or bill under a separate entity name, your individual professional liability coverage can be extended to include your legal entity. Clinic Professional Liability insurance protects your clinic or legal entity when this has been named in an action. 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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