Professional Liability:

The DGO PL policy provides defense for allegations brought against you (whether frivolous or with merit) related to the Denturist services provided to your patients.  The insurance company underwriting the DGO’s program will defend you; cover your legal defense costs and pay damages awarded to third parties, subject to the terms of your policy. This policy also includes coverage for legal costs you incur to defend any disciplinary complaints from the College. The DGO Professional Liability policy automatically provides extended coverage for 6 years after you cease practicing as a registered Denturist with the College.

Commercial General Liability (‘CGL’):

Professional Liability insurance does NOT cover claims related to bodily injury or property damages that are not specific to your professional expertise as a Denturist.   CGL insurance protects you for claims brought against you or your clinic (if applicable) for bodily injury or property damage sustained by a third party (e.g., your patients, landlord, etc.) such as “slip and falls”, product liability assumed from a third party (e.g. compromised denture materials) and patients visiting your home.

DGO Program Products:

Outline:

  • Two year policy, billed on annual installments.

Professional Liability:

  • Insurer provides legal defense coverage for claims;
  • Limit of $2,000,000 per claim, $5,000,000 aggregate;
  • Limit of $25,000 for College Disciplinary Complaints;
  • $0 Deductible.

Commercial General Liability:

  • Protects against bodily injury and property damage claims;
  • Coverage limit of $2,000,000 per claim, $2,000,000 total;
  • $0 Deductible for bodily injury;
  • $1000 Deductible for property damage;
  • Coverage for clinics provided.