Dental Malpractice
Insurance and resources to help dentists manage their risk.
CDSPI has made it easier to find everything you need to know about malpractice insurance for dentists, including the resources to help protect yourself and your practice. Explore our comprehensive hub of videos, articles, and presentations from experts in the field of dental malpractice, to help you manage your risk effectively. Plus, our knowledgeable Insurance Advisors with CDSPI Advisory Services Inc. are ready to assist you every step of the way.
How to Apply for Malpractice Insurance
As a newly practising dentist, or perhaps one that has moved to a new province, you may be curious about how to apply for your Malpractice Insurance.
Contact the licensing body in the province or territory where you'll be practising. Then, complete and return the application licensing body with payment and supporting documents. Indicate that your Malpractice Insurance application will be sent to CDSPI.
Complete your Malpractice Insurance application with CDSPI, indicating that your license application has been submitted to your licensing body. CDSPI will coordinate with your licensing body to issue your Malpractice Insurance, taking effect on the same date.
If you are practising in Ontario or Alberta, you may choose to purchase Excess Malpractice Insurance, in addition to the Malpractice Insurance mandated by your regulatory body. This insurance provides coverage in excess of your primary policy in the event of a claim.
How to Apply for Malpractice Insurance
As a newly practising dentist, or perhaps one that has moved to a new province, you may be curious about how to apply for your Malpractice Insurance.
Contact the licensing body in the province or territory where you'll be practising. Then, complete and return the application licensing body with payment and supporting documents. Indicate that your Malpractice Insurance application will be sent to CDSPI.
Complete your Malpractice Insurance application with CDSPI, indicating that your license application has been submitted to your licensing body. CDSPI will coordinate with your licensing body to issue your Malpractice Insurance, taking effect on the same date.
If you are practising in Ontario or Alberta, you may choose to purchase Excess Malpractice Insurance, in addition to the Malpractice Insurance mandated by your regulatory body. This insurance provides coverage in excess of your primary policy in the event of a claim.
Dental Student Malpractice Insurance
No-Cost Malpractice Coverage for Eligible Dental Students
Clinical placements and summer programs provide valuable hands-on experience—but they can also create professional liability exposure. CDSPI's Dental Student Malpractice Insurance provides eligible students with $3 million in no-cost coverage for short-term, university approved dental training programs or placements when university malpractice coverage is unavailable or does not extend to such training. This gives you the confidence to focus on developing your skills and gaining hands-on experience under the supervision of a licensed dentist.
WHO IS ELIGIBLE?
You may be eligible if you are:
- A full-time dental student enrolled in an accredited Canadian university dental program;
- Participating in a university-approved clinical program or placement; and
- Completing training under the direct supervision of a dentist who is licensed to practice dentistry in at least one Canadian province or territory other than Ontario, Quebec or Alberta.
(A dentist licensed in Ontario, Quebec or Alberta, in addition to another province or territory satisfies this requirement.)
WHAT'S COVERED?
Eligible students receive $3 million in malpractice coverage for claims arising from the provision of dental services during supervised, university approved dental training programs or placements.
NOTE: Students are responsible for confirming the insurance requirements of their academic program and whether this coverage meets those requirements.
Malpractice FAQs
We've outlined the most commonly asked questions we receive from dentists regarding their CDSPI Malpractice Insurance.
Legal Expense Insurance
Eligible dentists with CDSPI Malpractice Insurance will automatically be covered by Legal Expense Insurance—at no additional cost. No sign-up, no extra premium—compliments of CDSPI, giving you added support when you need it. Find out if you’re eligible and get details about this exciting new benefit.*
Malpractice Insurance Plan Details
For an in-depth understanding of your dental malpractice insurance coverage, how it protects you, as well as the conditions and limitations, plan eligibility, and more, you can view the plansheet.
Resources
We've prepared a library of resources to help dentists better understand their malpractice risk, how to mitigate it, as well as continuing education modules, and interviews with industry experts.
A Malpractice Survival Guide for Dentists
Malpractice FAQs For Practicing Dentists
Malpractice FAQs for Retiring Dentists
Legal Expense Insurance for Dentists: Real Stories, Real Support
Continuing Education: Common Dental Malpractice Claims and how to Avoid Them (Part 2)
Continuing Education: What Happens When a Patient Sues you for Malpractice (Part 1)
Advice on Handling a Malpractice Claim
Best Practices for Malpractice Prevention
Understanding Malpractice Risk: Advice for New Dentists
Best Practices for Dentists Treating Newcomers
We're Here to Help
Our team is available weekdays, 8:30-4:30 p.m. ET.
Send us a message
You'll receive a response within 2 business days.
For customized advice, you can meet with a licensed advisor to discuss your needs.
Malpractice Insurance is underwritten by Zurich Insurance Company Ltd (Canadian Branch). CDSPI Malpractice Insurance is offered in all provinces and territories except Alberta, Ontario and Quebec.
Excess Malpractice Insurance is offered to dentists licensed to practice in the province of Alberta or Ontario, who are a member of their provincial dental association and have their primary mandatory malpractice insurance directly from their provincial regulatory body.
Coverage under the CDSPI Excess Malpractice program does not qualify for Legal Expense Insurance.*
Legal Expense Insurance is arranged for by ARAG Legal Solutions Inc. (ARAG) on behalf of CDSPI. ARAG Legal Solutions Inc. policies are underwritten by HDI Global Specialty SE.*
