Risk Management


What is PLP?

PLP is a program of the RCDSO created in the 1970s to administer malpractice protection for Ontario dentists.


In accordance with the RCDSO’s public protection mandate, PLP works to provide timely, reasonable compensation to patients injured as a result of dental negligence. To ensure that funds are available for those patients and in order to protect the reputation of the profession, PLP vigorously defends any member whose care was appropriate and/or did not cause harm. PLP also promotes patient safety and responsible dentistry by providing individual and group risk management guidance to members.


  • Administers the errors and omissions policy for RCDSO members issued by a commercial insurer (currently ENCON).
  • Prepares documentation to assist members in refunding fees to patients.
  • Provides advice to members on dealing with dissatisfied patients and responding to allegations of wrongdoing by patients or their representatives.
  • Assists members in avoiding dental-legal difficulties through one-on-one discussions, presentations to dental students, societies and associations, articles in Dispatch magazine and pamphlets on important risk management topics.


PLP’s highly skilled team consists of administrative staff, paralegals, professional liability and legal advisors, a senior dental consultant and a director. In addition, PLP retains lawyers with expertise in dental malpractice from a select group of Ontario law firms to assist members involved in court proceedings.


The activities of PLP are subject to oversight by a standing committee of the RCDSO Council. The PLP Committee approves settlements and provides trial authority in appropriate cases, monitors and reports to Council on PLP’s overall performance and makes recommendations to RCDSO Council on policy and strategic issues affecting the program.

Dispatch Magazine Articles

We’ve compiled a collection of Dispatch articles that contain information and advice for members on dental records, dealing with patients, risk management and other relevant topics. Download now

Excess Malpractice Coverage - 2018 Deadline Extension

The Colleges’ Insurance Broker, Jones Deslauriers Insurance Management Inc. (“JDIMI”) offers RCDSO members excess malpractice protection above the primacy policy amount of $2 million included with the College’s annual fees. The excess amounts available range from an additional $1 million to an extra $23 million, for a maximum of $25 million.

JDIMI extended its application deadline for 2018 excess liability coverage. Applications received by February 28, 2018 will include coverage effective as of January 1, 2018, providing there are no claims between January 1 and the application date.

Any dentist with excess coverage in 2017 can renew before February 28 to ensure coverage is continuous. Excess coverage will otherwise start on a new application date if you renew after February 28.

If you are retiring or have retired in the last 12 months and usually purchased excess coverage, you can still do so in the event that you are sued in retirement for treatment you provided in the past.

To obtain excess pricing, or to purchase excess, contact JDIMI at 416 248 7144, or email You can find the application form on their site.