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NSRDT–Nova Scotia Registered Dental Technicians

PROLINK > Associations > Healthcare Practitioners & Life Sciences Professionals > NSRDT–Nova Scotia Registered Dental Technicians



Welcome to PROLINK's Insurance Program for Registered Dental Technicians of Nova Scotia

PROLINK has served Dental Professionals for over a decade. We understand the unique risks you face and can help you protect yourself with superior insurance coverage at unparalleled rates, designed for Dental Technologists Registered with the Nova Scotia Regulator of Dental Hygiene, Dental Technology and Denturism.

PROFESSIONAL
INSURANCE

HOME & AUTO
INSURANCE

LIFE & HEALTH
INSURANCE

FREQUENTLY ASKED
QUESTIONS

CONTACT
US

PROFESSIONAL INSURANCE

HOME & AUTO INSURANCE

LIFE & HEALTH INSURANCE

FAQ

CONTACT US



PROFESSIONAL INSURANCE

Access comprehensive protection that we designed through our partnerships with both insurers and the Nova Scotia Regulator of Dental Hygiene, Dental Technology and Denturism.

PROFESSIONAL LIABILITY INSURANCE (E&O)

What is it?
Professional Liability Insurance 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.

PROLINK has tailored a unique Professional Liability Insurance program specific to Nova Scotia’s Registered Dental Technicians. We can help you avoid the holes and discrepancies of generalized cookie-cutter insurance programs, which don’t account for unique situations that will apply to diverse professions. PROLINK’s specialized programs will keep you protected so that you can focus on the important things.

Why do we recommend it?
In your career as a Dental Technician, you’ll face a number of risks. Unfortunately, some things are simply out of your control. While you have your clients’ 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.

Our program fully complies with and exceeds the requirements of the Nova Scotia Regulator of Dental Hygiene, Dental Technology and Denturism, and will help defend you from claims made against you as they relate to professional negligence, omission of information, or other errors within your scope of practice as an Dental Technician.

To apply, you must be registered member in good standing with the Nova Scotia Regulator of Dental Hygiene, Dental Technology and Denturism. Program highlights include:

  • $1,000,000 and 2,000,000 per occurrence / 2 year discovery period included;
  • FREE, unlimited access to a Legal & HR Assist Helpline with certified lawyers and HR specialists at 1-866-945-5207. Services available in English and French from 8AM to midnight (local time), 7 days a week. To access this benefit, simply have your policy number ready when you call.
  • Professional Conduct Expense Extension: $50,000;
  • Privacy & Security Breach Expense Coverage;
  • Entity/Clinic Liability;
  • Commercial General Liability;
  • And more!

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?

A “claims-made” policy requires your policy to be in effect at the time a claim is reported, or made. That means that the policy you have in place at the time an allegation is reported will respond, not the policy you had in place at the time you committed an alleged act.

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.

How much does the policy cost?

The annual cost of PROLINK’s Professional Liability (E&O) Insurance Policy is $130 for a limit of $1M or $185 for a limit of $2M. There is a 2-year discovery period, and a deductible of $500 per claim.

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What is excluded from the Program for Nova Scotia Registered Dental Technicians?

Our Professional Liability Insurance does exclude coverage for:

  • Services not customary for a practicing Dental Technician or business administrator;
  • Deliberate, Dishonest or Fraudulent Acts;
  • Any occurrence covered by other valid and collectible insurance. In some cases, policy-holders are covered under an employer’s insurance policy. The policy would apply only if coverage under the other policy is insufficient;
  • Any additional liability assumed under contract;
  • Property damage to property in the care, custody, and control of a Dental Technician.

Is there a common expiry date for the Program?

Yes. All members renew each year on November 1st. 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's a discovery period?

An extended reporting period (ERP), also known as a discovery period, tail coverage, or run-off coverage, allows you to report any claims that occurred while your policy was still in force for a specified period of time following cancellation or non-renewal. If a past claim arises and it’s reported during your ERP, your coverage will still apply.

ERPs are ideal if you’re looking to cancel or not renew your insurance policy for any reason. That way, you’ll still have coverage for any claims related to your previous work even after you’ve stopped practising.

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 A QUOTE

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 A QUOTE

Get Your Free Insurance Quote:

LIFE & HEALTH
QUOTE

DISABILITY
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.

LIFE & HEALTH
QUOTE

DISABILITY
QUOTE

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.

VISIT OUR BLOG

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.

VISIT OUR BLOG

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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