PGL - Liability and Legal Insurance

What Insurance Do I Need to Protect Myself From Legal Problems?

Over the last few years, society has increasingly relied on the courts to resolve disputes. As a result, through no fault of your own, you may find yourself going to court and that can cost you a lot of money. If you have any questions about liability or legal insurance and why you may need it, call us.

Malpractice coverage is now mandatory in all provinces and an absolute necessity for all dentists. As a licensed professional, you’re legally responsible for the services you and your staff perform. Which means you may be forced to defend a claim for malpractice, error or mistake in your practice, and have to bear the significant financial consequences that can accompany these types of claims.

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To protect yourself further, encourage your staff (hygienists, certified dental assistants and dental therapists) to obtain their own malpractice coverage so that claims resulting from their own malpractice will not be applied against your malpractice coverage liability limit.

Note: If you practise in a hospital or are in the military, it’s important to buy your own additional malpractice insurance if your employer does not provide sufficient coverage.

Additional personal liability insurance is a good idea, if you’re concerned, in this age of very large court settlements, that your existing home and auto coverages don’t provide you with enough liability protection. For example, if you are involved in a car accident where the other driver is awarded $2-million, and the liability limit on your auto policy is only $1-million, you’d still be liable to personally pay the second million. Your additional personal liability coverage would fill this gap.

Personal and professional legal proceedings can be very costly. As a result, many individuals cannot afford to have their “day in court” without considerable sacrifice. Many people are finding legal expense insurance useful, which covers the cost of their lawyer’s fees and other costs in a range of situations.

For information on the full range of superior liability and legal insurance products designed especially for dentists offered through the Canadian Dentists’ Insurance Program, click here to visit the insurance page of our affiliate company, CDSPI.

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