Who needs kinesiologist insurance?
Kinesiologists need kinesiology insurance to protect themselves from risk. As a kinesiologist, you are often in close contact with clients, providing them with hands-on services, which means issues may arise, which could result in a lawsuit. Without insurance, you might be forced to pay for the client’s medical expenses or the legal and court fees associated with defending yourself in a lawsuit brought against you. These kinds of hefty fees could impact your practice. But with kinesiology insurance, you can be covered.
What’s included in a Kinesiology policy with BrokerLink?
Get Top Rated Coverage for Kinesiologist Insurance in Canada.
- Occurrence based form “which does not expire or cancel, and defends you against a claim resulting from treatment”
- $5,000,000 Commercial General Liability (CGL) for claims resulting from a slip and fall for example, including $5 million Professional Liability
- $500,000 Tenant’s Legal Liability if you rent or lease space
- Free legal advice from a professional lawyer
- Reimburses the cost of defending your innocence to the college
- $10,000 Criminal Expense Coverage
- $10,000 Exclusive Personal Protection Policy
Kinesiologist insurance coverage types
There are a wide variety of coverages you can choose to include in your policy that may be beneficial to kinesiologists in Canada as outlined below.
Professional liability insurance: also called errors and omissions insurance, it’s important for all professionals with clients who depend on their advice or services. This type of coverage can pay for legal fees if a claim of negligence, error, omission, misconduct, or failure to deliver an advertised service is brought against you or your clinic. For example, if you recommend a treatment to a client and they injure themselves, they could sue you. Even if it wasn’t your fault, you would still have to defend yourself in the lawsuit, which can be expensive. But with professional liability insurance, your insurance provider would help cover the costs.
Commercial general liability insurance: safeguards you against the risks that come with operating a business in Canada, namely third party bodily injury and property damage. If a claim of third-party injury or property damage is brought against you, your insurance provider can help pay for medical expenses, repairs, and even legal fees. For example, if a customer slips and falls on a wet floor in your clinic lobby, spraining their ankle in the process, they could sue you. But if commercial general liability coverage is included in your kinesiologist insurance policy, your insurer can help pay the legal and court fees to defend yourself in the lawsuit as well as the medical expenses resulting from the claimant’s injury.
Commercial property insurance: provides coverage for the physical space you operate your kinesiology practice in, as well as its business-related belongings, from unforeseen circumstances with commercial property insurance. Specifically, this type of insurance can protect against theft, vandalism, fire, flood, and other weather-related events. When you include commercial property coverage in your kinesiologist insurance policy, your insurance company will pay for repairs or replacements if your clinic is damaged or its contents are stolen or damaged due to an insured loss. For example, if a thief breaks into your clinic and steals expensive medical equipment, you won’t have to bear the cost of replacing these items alone.
Protection after you stop practising: A claim can be filed against you or your practice months or even years after you stop seeing a client. One can even be filed after you stop practising kinesiology. For this reason, some insurance providers give policyholders the option of purchasing professional liability coverage that continues after they stop practising. The length of time varies but can be as many as five or six years from your most recent date of practice. To protect yourself from lawsuits even after you’ve closed your kinesiology practice, talk to an insurance broker at BrokerLink about your options. We can help you find a policy that offers professional liability protection well beyond your final date of practice.
Cyber liability insurance: Most modern practices store client data on the computer. If your kinesiologist clinic has an online booking system or database to keep track of patient information, such as medical details or financial information, you should protect yourself with cyber liability coverage. With cyber liability insurance, if a hacker steals important data, your insurance provider will help cover the associated costs, ranging from credit monitoring and crisis control to notifying clients.
Is kinesiologist insurance mandatory?
Depending on where you practice, you may be required to purchase kinesiologist insurance. There are various regulatory bodies and colleges in the Canadian provinces and territories and insurance requirements vary based on which province or territory you live and work in. For example, the College of Kinesiologists of Ontario (CKO) requires that all Registered Kinesiologists have professional liability insurance (otherwise known as errors and omissions insurance). Specifically, Registered Kinesiologists must carry a minimum of $1,000,000 in errors and omissions coverage.
What are the benefits of a BrokerLink kinesiology insurance policy?
- Our prices are specifically designed to be affordable for new kinesiologists.
- The application process is simple and your certificate will be available within a few business days.
- Our brokers are experts when it comes to determining the coverage you need.
- We offer dedicated customer service from 8:30am to 5:00pm daily.
- The coverage is broad, enhanced and:
- it complies with the CKO (College of Kinesiologists of Ontario)
- is mobile across Canada, without restrictions such as client age
- you can be endorsed anywhere in Canada and benefit from over 365 modalities for nominal fees
- No membership required
- Our policy doesn’t exclude athletes unlike other polices
- It includes insurance coverage that reimburses you if you have to defend yourself from a CKO tribunal.
How do I apply for kinesiology insurance?
Protect your business and well-earned reputation as a kinesiologist by applying for your policy today or contact us if you have any questions.
Apply / Renew (ineedapolicy) 1-877-768-2262
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