Excess Limits from $1MM to $23MM available
Protecting RCDSO Members

Excess Malpractice Liability Insurance Program

Working closely with the Professional Liability Program, Jones DesLauriers offers RCDSO members Excess Malpractice protection above the $2 million primary policy limit included with the College’s annual fee. Excess limits available under the Excess Malpractice Program range from an additional $1 million to an extra $23 million.

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Jones DesLauriers

Jones DesLauriers Insurance Management Inc. (JDIMI), a founding Navacord Broker Partner, has proudly served our clientele for over fifty years. Navacord is a leading insurance and risk management brokerage created to keep the Canadian entrepreneurial spirit alive. Led by an engaged and passionate partnership group Navacord is committed to the success of its clients and delivering expert advice in an increasingly complex world.

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Why do I need Excess Malpractice Liability?

Your RCDSO membership includes a limit of $2,000,000 for malpractice protection. However, lawsuits are often lengthy and can have multiple defendants, especially with today’s increasingly litigious society. This is why Excess Malpractice Liability is recommended to protect you against losses which exceed your $2,000,000 limit under the RCDSO membership. Protect yourself and your future with a few simple clicks of a mouse.

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What are the benefits
of RCDSO Excess Malpractice Insurance?

The threat of a claim for professional negligence hangs over every Canadian health practitioner. This is why members of the RCDSO have $2 million malpractice protection.  Excess malpractice protection is available above the primary policy, up to an extra $23 million, for a maximum limit of protection of $25 million.

Excess Malpractice & Legal Expense Insurance policies for Dental Professionals
What does the RCDSO Insurance Program cost?
The endorsed* RCDSO program offers excess malpractice protection for as little as 35 cents a day. Apply now! Peace of mind available at less than $0.35 a day.
How much Insurance is provided under the RCDSO Insurance program?
Coverage Options are in excess of the $2,000,000 primary policy

 Limits from $1,000,000 to $23,000,000

Excess of $2,000,000

Total limits Available up to:


Why buy Malpractice Insurance? What are the risks?

Malpractice Legal Liability is an increasing risk for health practitioners:

Society is becoming more litigious

The number of lawsuits is increasing, primarily due to a false idea by the general public, that “nuisance claims” are easily settled to avoid the cost of litigation.

Malpractice lawsuits are costly to defend due to the need for specialized counsel and expert witnesses.

Malpractice lawsuits usually don’t settle quickly, especially if there are multiple defendants

Supplement the $2,000,000 limit provided by the RCDSO Professional Liability Program.

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