Dental Office Staff:
How Much Liability and Legal Insurance
Do I Need?

The amount of legal and liability insurance you need depends on your comfort level. But remember, even though you may have done nothing wrong, the cost of defending a lawsuit can be astronomical. You therefore need to protect yourself with the right insurance coverage. If you have any questions regarding what level of legal and liability coverage is right for you, please call us.

Malpractice Insurance:

Malpractice actions have resulted in large claims in the past, and it’s impossible to forecast how large a suit could be brought against you. Fortunately, Malpractice Insurance from the Canadian Dentists’ Insurance Program is available to you as a hygienist, certified dental assistant or dental therapist who is employed by and under the supervision of a dentist who is a CDA or ODA member. You can receive up to $2-million in coverage per claim, with an annual aggregate claim of up to $6-million per year, with a premium just over $100 a year.

Personal Umbrella Liability Insurance:

The amount of coverage you may need will vary with your lifestyle, your need for security and the liability limits of your home and auto coverages. However, large lawsuits can and do happen in Canada, with settlements in the millions of dollars. Since the maximum available coverage doesn’t cost much more than the lower coverages, for total protection, you may wish to select the highest level.

Dental Office Staff

How Much Personal Insurance Do I Need?