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DGO-Denturist Group of Ontario Insurance Program

Welcome to the DGO Insurance Program from PROLINK

PROLINK—Canada’s Insurance Connection has partnered with the Denturist Group of Ontario to develop a comprehensive and regulatory-compliant set of insurance programs to protect you from the unique risks you face in your professional field.

PROFESSIONAL INSURANCE FOR DGO MEMBERS

Browse our professional insurance solutions tailored to Ontario’s Denturists.

INDIVIDUAL DENTURIST COVERAGE (MANDATORY)

What is it?
Professional Liability Insurance (E&O) protects you (and your business) from any allegations of errors, omissions, or negligence committed within the scope of your professional activities. It’ll cover your damages—legal expenses, administrative costs, and court settlements—EVEN if the claims made against you are groundless.

Commercial General Liability Insurance (CGL) covers you for third party injuries or property damage related to your activities. Examples include injuries from faulty equipment, slippery floors, or even accidentally damaging property that belongs to your client. CGL insurance will respond to lawsuites alleging illness, injury, property damage, or slander.

Why do we recommend it?

In your career as a Denturist, you’ll face a number of risks. Unfortunately, some things are simply out of your control. While you have your patients’ best interests at heart, misunderstandings happen. In today’s society, misunderstandings translate to legal actions with the power to devastate your professional reputation and finances. Professional Liability Insurance can help.

Our regulatory-compliant policy will defend you and support personnel working under your supervision from claims made against you as they relate to malpractice or errors within your scope of practice. It will also help you protect yourself from disciplinary complaints made to 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.

And since you meet with patients on a regular basis, something as simple as a third party slip and fall could result in you being held liable for damages of a sum that would surprise you. Professional Liability doesn’t cover these types of claims, only Commercial General Liability Insurance will.

That’s why our Commercial General Liability Insurance policy is bundled with Professional Liability Insurance to deliver superior coverage at unparalleled rates! It will also help protect you from claims resulting from product liability, such as compromised denture materials, and more.

PROPERTY CONTENTS INSURANCE

What is it?
Property Contents Insurance protects your commercial property from damage or loss and will cover the costs of repairs or replacement for contents, equipment, and furnishings.

Why do we recommend it?
Property Insurance is critical if you have your own business, regardless of the location. Whether you work from home or out of a commercial office, your general liability or homeowner’s policies won’t reimburse you for any damage to your business assets following a break-in, fire, or other disaster.

DATA SECURITY & PRIVACY BREACH INSURANCE

What is it?

Data Security & Privacy Breach Insurance protects your business and offsets your losses in the event of a breach, such as when your company’s information is stolen or exposed by a hacker, or accidentally released by an employee.

Our valuable policy features include:

  • Legal coaching on how to handle the breach;
  • Legal fees in the case of a civil suit;
  • Funds for court-awarded damages;
  • PR services for managing reputational impact;
  • Provisions for credit monitoring and client notification fees.

Why do we recommend it?

As a healthcare professional, you are a steward of private personal health information. Unfortunately, since health data is substantially more valuable than other kinds, healthcare professionals are more targeted by cyber criminals than professionals in other industries. There is also the internal risk of employee snooping which is more prevalent than you would think.

You are subject to much stricter privacy regulations and fines—particularly if you are a part of a regulatory College. So, if you or one of your employees were to lose a laptop, experience a network failure, or suffer from a hack that reveals client information—you could suddenly find yourself liable for thousands of dollars in damage. On average, a privacy breach costs $429 for EACH lost health care record. If you have even 100 clients affected by a breach, that could easily amount to a minimum of $42,900 for privacy breach expenses.

 

FREQUENTLY ASKED QUESTIONS

PROFESSIONAL INSURANCE

What does Professional Liability Insurance cover?

In general, Professional Liability Insurance covers you against allegations brought by a third party (e.g. a client) seeking damages resulting from a negligent or wrongful act, error, or omission arising from your profession and within your scope of practice. The policy will pay for your legal defence costs (e.g. lawyer fees, court costs, etc.) and any damages or settlements payable to a suing party. 

The Professional Liability Insurance policy is a “claims-made” policy. What does "claims-made" mean?

The Professional Liability Insurance and Privacy Breach Insurance policies offered here are “claims-made” policies. These policies apply only to claims that are:

  • First made against the insured (i.e., you or your firm) during the term of the policy; AND
  • Reported to the insurance company or PROLINK in writing during the policy period.

What does Commercial General Liability Insurance cover?

Commercial General Liability Insurance covers you in the case of third party injuries and property damage that occurs through your professional activities. It also provides you with insurance for Libel and Slander, Tenant’s Legal Liability, Employer’s Liability, optional Non-Owned Automobile Coverage, and more.

  • Libel and Slander: Libel and slander (also known as “personal injury”) can be encompassed under the umbrella term “defamation”. These are statements that damage a person or organization’s reputation resulting in emotional injury. Slander means any verbal defamatory statements. Libel refers to written defamatory statements. However, you are only covered if you unknowingly committed something that is considered libel or slander.
  • Tenant’s Legal Liability: If you rent or lease a commercial property for your clinic and accidentally cause property damage, you could be held liable. Tenant’s Legal Liability will help defend you against legal actions and will provide you with funds to cover the damages.
  • Employer’s Liability: This coverage protects you (the employer) from losses arising from job-related injuries of employees.
  • Non-Owned Automobile Coverage (optional): This refers to vehicles that are not owned by your company, but are being used for business purposes. For example, it provides protection if an employee must drive their own personal vehicle for business use. It covers bodily injury and property damage that is caused by such vehicles, because otherwise the employer can be held liable for employee-perpetrated accidents.

Why is Commercial General Liability Insurance important?

Unfortunately, you can be sued for any injuries or property damages that occur while working with clients—even if you’re not at fault, such as clients falling on your premises or an injury that occurs while you are at your client’s home or even in a hospital setting. Professional Liability Insurance will not cover these claims, only Commercial General Liability Insurance will.

What do I do if I receive a statement of claim?

Once you are aware of an actual or potential claim, report it to PROLINK immediately. Please refrain from making written or oral statements, and do not offer to compensate or admit liability. Taking such actions could interfere in the insurer’s ability to manage the claim.

Click here to see how you can file an insurance claim in 5 steps or less.

Is there a common expiry date for the DGO Professional Insurance Program?

Yes. All members renew each year on April 15th. Professional Liability Insurance is a claims-made policy which requires that an individual have an active policy at the time a claim is made. Ensure that you are protected! Keep your insurance policy active at all times–you never know when a complaint or legal suit may be brought against you!

What type of plans are available under the DGO Program?

The base plan includes both Professional Liability Insurance (E&O) and Commercial General Liability Insurance (CGL). These coverages are bundled together and mandatory for all Denturists to hold this coverage in order to meet their regulatory requirements with the College. It is not possible to purchase standalone Professional Liability Insurance or Commercial General Liability Insurance.

In addition to these plans, you can also purchase:

  • Data Security & Privacy Breach Insurance: Protects you in the event of a data breach and provides coverage for both privacy breach expenses (like client notification fees, credit monitoring fees, and more) and privacy breach-related liability (like paying  damages to a third party).
  • Property Insurance: Covers your business property, equipment, and furnishings. This policy also includes coverages for Victim Related Crime Losses (cash stolen from you, cheque forgery affecting you), and Extra Expense (pays for additional costs while recovering from a covered disruption). 
  • Business Entity Coverage: Provides protection in the event that the clinic is named in a lawsuit or other claim proceeding.

What if I have to change something on my policy between renewals?

For any mid-term changes, please contact PROLINK at 1 800 663 6828 or denturists@prolink.insure.

HOME & AUTO INSURANCE

With PROLINK, you’ll find a solution that fits your needs, your lifestyle, and your budget. Plus, you can access:

Even Better Coverage:

PROLINK represents a wide network of over 30 insurers, so we can offer you a range of solutions and price points. We’ll look at all of the available options and leverage our existing partnerships to demand the best-fit coverage for your needs.

Even Better Advice:

Our team will take the time to understand your unique circumstances, explain your coverage options, and offer genuine, personalized advice to help you manage your exposures.

Even Better Rates:

Our dedicated team of advisors will regularly monitor your account so you don’t have to. If we see your premium going up over time, we’ll proactively search for a better fit to get you the coverage you need and the savings you deserve.

Even Better Service:

Count on PROLINK for any policy changes, proof of insurance requirements, and guidance through the claims process. We will advocate for your needs and answer any questions you have so that you can feel confident in your coverage.

See how much you can save on your Home & Auto Insurance!

HOME & AUTO INSURANCE

With PROLINK, you’ll find a solution that fits your needs, your lifestyle, and your budget. Plus, you can access:

Even Better Coverage:

PROLINK represents a wide network of over 30 insurers, so we can offer you a range of solutions and price points. We’ll look at all of the available options and leverage our existing partnerships to demand the best-fit coverage for your needs.

Even Better Advice:

Our team will take the time to understand your unique circumstances, explain your coverage options, and offer genuine, personalized advice to help you manage your exposures.

Even Better Rates:

Our dedicated team of advisors will regularly monitor your account so you don’t have to. If we see your premium going up over time, we’ll proactively search for a better fit to get you the coverage you need and the savings you deserve.

Even Better Service:

Count on PROLINK for any policy changes, proof of insurance requirements, and guidance through the claims process. We will advocate for your needs and answer any questions you have so that you can feel confident in your coverage.

See how much you can save on your Home & Auto Insurance!

Get Your Free Insurance Quote:

LIFE & HEALTH

PROLINK will take the time to listen, understand your lifestyle, and guide you to the best protection possible.

Health & Dental Insurance

Supplement your primary healthcare and access the care you need, when you need it with coverage for: extended health, dental, vision, medication, massage, chiropractic, physiotherapy, travel insurance, and more.

Disability Insurance

Protect your income if you’re unable to work because of a physical injury or ailment. It doesn’t matter if it’s a temporary or permanent disability; insurance will replace anywhere from 60-85% of your monthly earnings up to a specified time.

Critical Illness Insurance

Prepare for an unexpected illness or injury with a one-time, tax-free, lump sum. Once it’s paid, how you spend it is completely up to you, whether that’s on medicine, home accessibility, or even paying off part of your mortgage.

Life Insurance

Secure a simple, straightforward solution that will help you plan ahead while still guaranteeing protection for your loved ones. If there’s anyone relying on you for income—your children, spouse, ageing parents, or even a business partner—life insurance is worth it.

LIFE & HEALTH

PROLINK will take the time to listen, understand your lifestyle, and guide you to the best protection possible.

Health & Dental Insurance

Supplement your primary healthcare and access the care you need, when you need it with coverage for: extended health, dental, vision, medication, massage, chiropractic, physiotherapy, travel insurance, and more.

Disability Insurance

Protect your income if you’re unable to work because of a physical injury or ailment. It doesn’t matter if it’s a temporary or permanent disability; insurance will replace anywhere from 60-85% of your monthly earnings up to a specified time.

Critical Illness Insurance

Prepare for an unexpected illness or injury with a one-time, tax-free, lump sum. Once it’s paid, how you spend it is completely up to you, whether that’s on medicine, home accessibility, or even paying off part of your mortgage.

Life Insurance

Secure a simple, straightforward solution that will help you plan ahead while still guaranteeing protection for your loved ones. If there’s anyone relying on you for income—your children, spouse, ageing parents, or even a business partner—life insurance is worth it.

CARING CLAIMS

If you’re lucky, you might never have to make a claim against your insurance. But in the event that you do, PROLINK will respond with urgency, empathy, and compassion. Hover over the images below to see contact options.

MON-FRI, 8AM to 5PM

Monday to Friday, 8AM to 5PM

If you have a potential claim, and would like to speak to PROLINK, please contact us directly at 1 800 663 6828. No matter the time of day, be sure to have your policy number and key details of the incident on-hand, including dates, events, and all persons and entities involved.

AFTER HOURS, WEEKENDS, HOLIDAYS

After Hours, Weekends, Holidays

Connect with our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677, or contact your insurer directly and they’ll loop us in. To find your insurer’s claims department, simply open your policy wording.

If your claim is related to Professional Insurance, we strongly recommend that you wait to notify your PROLINK Account Manager during regular office hours.

MON-FRI, 8AM to 5PM

Monday to Friday, 8AM to 5PM

If you have a potential claim, and would like to speak to PROLINK, please contact us directly at 1 800 663 6828. No matter the time of day, be sure to have your policy number and key details of the incident on-hand, including dates, events, and all persons and entities involved.

AFTER HOURS, WEEKENDS, HOLIDAYS

After Hours, Weekends, Holidays

Connect with our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677, or contact your insurer directly and they’ll loop us in. To find your insurer’s claims department, simply open your policy wording.

If your claim is related to Professional Insurance, we strongly recommend that you wait to notify your PROLINK Account Manager during regular office hours.

WHAT OUR CLIENTS ARE SAYING

WHAT OUR CLIENTS ARE SAYING

RISK MANAGEMENT ADVICE

For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.

RISK MANAGEMENT ADVICE

For more information, check out our blog where we share our insights on insurance trends, current events, and practical tips and tricks to make the best of your coverage.

GET IN TOUCH

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or send us an email below:

GET IN TOUCH

To speak to a professional who can guide you to the right coverage from the right insurer at the right price call us at:

1-800-663-6828

or send us an email below:


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      Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

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