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Pandemic Coverage: The Big Unknown for Dentists

March 27, 2020
by Canadian Underwriter


Are Canadian dentists covered for business interruption or commercial liability arising from the COVID-19 pandemic?

That is open to question right now for some existing policies. What seems clear is that if a dentist wants to buy a new policy through CDSPI, it will exclude pandemic.

Toronto-based CDSPI, originally known as Canadian Dental Service Plans Inc., provides a variety of P&C, health insurance, and investment products to dentists.

CDSPI’s property and casualty products include TripleGuard, which is written by Aviva. With TripleGuard, property coverages include equipment, contents and leasehold improvements, as well as replacement of lost income from interruption due to practice damage. TripleGuard also includes commercial liability.

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