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Professional Liability Insurance

All Registered Dental Hygienists with a General/Specialty Certificate of Registration must hold professional liability insurance that meets the College’s requirements:

  • Minimum coverage of $1 million per occurrence.
  • Minimum annual aggregate coverage of $5 million.
  • Maximum deductible of $4,000 per occurrence.
  • Run-off coverage (enduring or tail coverage) for a minimum of two years.
  • Provided by an insurer licensed by the Financial Services Commission of Ontario or the Office of the Superintendent of Financial Institutions Canada.
  • Includes an endorsement that provides coverage for sexual abuse therapy and counselling for every person eligible for funding, under subsection 85.7(4) of the Health Professions Procedural Code, as a result of sexual abuse by the Registered Dental Hygienist.

Professional liability insurance can be obtained from the Canadian Dental Hygienists Association, Ontario Dental Hygienists’ Association or any insurance broker.