Professional Liability Insurance Program

La Capitale General Insurance Inc. is pleased to partner with the Ordre des hygiénistes dentaires du Québec to offer a Professional Liability Insurance Program.

An insurer with a real difference

La Capitale General Insurance Inc. began its operations in 1976 as a subsidiary of La Capitale Financial Group
Inc., it is today an industry leader in the field of damage insurance.

With our full line of automobile, home, personal property, legal access and commercial insurance coverages, we are fully equipped to adequately meet the insurance needs of the entire population of Quebec.

Our Mission : "To offer our clients insurance coverage adapted to their individual needs - under the seal of excellence - with flexible terms and conditions." Nothing less!

Who are the insureds?

Summary of coverage

What activities are insured?

In the case of loss

For additional information

• The Professional of OHDQ;
• All members in good standing of the Professional Order;
• Former members in good standing of the Professional Order for losses resulting from professional services rendered while they were members in good standing and participated in the Order's professional liability insurance program;
• Current or past students or interns recognized by the designated insured;
• Past and present employees who work or have worked under the supervision of an insured member in good standing;
  
• Any of the aforementioned persons' legal heirs or assigns;
• The company in which a member in good standing is an owner.
  
  

We insure:

Your Professional Liability :

• Namely for the payment of compensatory damages that you may be required to pay to third-parties as a result of a claim received by you and filed with La Capitale during the period extending from April 1, 2009 until March 31, 2010 and arising from fault, negligence, or a lack of care or skill in the performance of your insured professional activities;
• Additionally, we cover the expenses for your defence in such litigation involving professional liability.
  
  

Your expenses for defence before a criminal jurisdiction:

• Namely the reimbursement of your expenses for defence in any action taken against you before a court of criminal jurisdiction following the exercising of professional activities, except if you plead guilty or are declared guilty by judgment having the binding force of he matter adjudged.

Your expenses for defence involving illegal practice:

• Namely the reimbursement of expenses for defence that you may incur in any action taken against you for the illegal practice of another profession, except if you plead guilty or are declared guilty by judgment having the binding force of the matter adjudged.
  

Your expenses for legal assistance before the coroner:

• Namely the reimbursement of your legal expenses for assistance involving any appearance as an interested party before a coroner's enquiry or an enquiry or similar special commission within the framework of or during the exercising of your professional activities, excluding however cases in which you are called upon to act as expert witness on such occasions.

These include professional activities that are in your field of practice and are performed in Canada as well as activities that are additionally or occasionally performed outside Canada which may lead to legal action taken against you in Canada. This includes teaching, supervision, opinions and consultations.

Limits of liability:

Your professional liability is insured up to $1,000,000 per loss and $1,000,000 for all losses per policy period.

• Your expenses for defence before a criminal jurisdiction:
  Such expenses include $50,000 per insured and $300,000 per policy period for all insureds.
• Your expenses for defence involving illegal practice:
  Such expenses are covered up to $25,000 per insured and $200,000 per policy period for all insureds.
• Your expenses for legal assistance before the coroner:
  Such expenses are covered up to $25,000 per insured and $200,000 per policy period for all insureds.
  

Your main obligations

• You must refrain from admitting any liability and/or engaging in any expense or negotiation of your own initiative;
• You must report to your insurer any fact or circumstance that may give rise to a claim as soon as you become aware of such matters;
• You must provide your insurer with support and cooperation in the conducting of any enquiry and possible legal proceedings;
• You must transmit any notice of claim as well as any judicial procedure that may be served on you to:
  

• As soon as you become aware of any fact or circumstance, please contact your insurer at:

Toll free: 1 866 906-2120

For additional information pertaining to your Order's professional liability insurance program, please contact your insurer at:

Quebec: 418 266-9600
Toll free: 1 800 644-0607

The purpose of this document is to present you the main features of your professional liability insurance program. The insurance contract contains certain restrictions. At all times, the policy alone may be used to determine the rights and obligations of the contracting parties.