Why & How are Kins insured professionally?

 

Importance of Professional Insurance

Maintaining professional insurance provides peace-of-mind whether it be for your home, car, or for your professional work. Legal actions often come as a result of someone being harmed, either through bodily injury or damage to their property. Allegations may be frivolous; however you are still required to respond with a defence. Lawsuits often name anyone involved and/or connected to a particular situation regardless of how miniscule that involvement may be. Consider that the average hourly rate for a lawyer in Canada in 2013 was $362. Good advice for mounting a defence can be expensive, professional insurance coverage such as the products offered by the Canadian Kinesiology Alliance can help a great deal. The Canadian Kinesiology Alliance highly recommends that professional insurance is kept up-to-date regardless of practice area. In Ontario the College of Kinesiologists of Ontario (CKO) requires that all Registered Kinesiologists maintain errors and omissions liability coverage. As of 2014, the minimum required coverage is $1M limit per occurrence with a $3M aggregate limit per year. 

MANDATORY PROFESSIONAL LIABILITY

As a condition of becoming and continuing as a practicing Member/Affiliate, every Member/Affiliate must have and maintain Professional Liability covering the scope of practice of kinesiology as defined by the CKA and the PKAs. The insurance may be held through the CKA National Insurance Program from PROLINK or your employer. You must attach your MANDATORY professional liability Insurance within 10 days otherwise we will have to invalidate your membership. Attach your PROLINK insurance certificate or your workplace professional liability certificate. 

1. National Insurance Program by PROLINK:
For 2020, the National Insurance Program through PROLINK is offered at significant low rates due to reaching over 4000 members in this program. For example, Professional Liability begins at 49$/yr.

a) Renewing members :PROLINK Insurance will be sending you an email (email address will appear as PROLINK.insure) regarding your Professional Liability renewal. Check your junk mail too! The PROLINK email will contain a link to renew your insurance in less than 10 minutes. Once purchased, all insurance documents will automatically be emailed to you by PROLINK. Should you have any questions, please contact Leona Petersen by email at leonap@prolink.insure or by phone at 416 644 7706. You will need your membership number. 

b) New members : To obtain your Certificate of Professional Liability Insurance, contact ZINAB MACHIANI, PROLINK Tel .: 800.663.6828; Email: ZinabM@prolink.insure.  Once you provide Zinab with your email address, she will send you a link to purchase your Professional Liability insurance. Once purchased, all insurance documents will automatically be emailed to you by PROLINK. You will require you membership number. 

2. Workplace Professional Liability Insurance:

If you have coverage through your employer, you must verify that the policy covers the full scope of practice for kinesiology as defined by the CKA and the PKAs and meets the requirements outlined below. If you carry professional liability insurance through your employer, you agree that you will not provide kinesiology services external to the business operations of the employer.; thus no private practice. This insurance through your employeur, that is you are already covered by professional liability insurance, covering your acts of a kinesiologist, under the term kinesiologist, you must attach your proof insurability (or evidence of employability at an institution i.e Hospital) and the signed Consent Form provided in the registration process. These 2 documents will be requested upon accession/renewal. Note: CSEP and CATA Insurance with or without Kinesiology Rider is NOT accepted as they do not cover the entire scope of practice of kinesiology.

To be approved by CKA, your workplace professional insurance must include the following :

  1. Policy wording cover the entire scope of practice for kinesiology as defined by the CKA/PKA. CSEP and CATA Insurance with or without Kinesiology Rider is NOT accepted as they do not cover the entire scope of practice of kinesiology.
  2. Limits of Liability of not less than $1,000,000/loss and $3,000,000 per policy term
  3. Policy Coverage includes Errors & Omissions made by the insured member/employee.
  4. Policy wording does not restrict coverage to work with healthy or uninjured persons whether in these specific terms or others synonymous with good health.
  5. If you carry professional liability insurance through your employer, you confirm by having signed this document that you will not provide kinesiology services external to the business operations of the employer; thus no private practice.
  6. You confirm having signed that you have reviewed the coverage provided under the policy and confirm it meets all the listed requirements.

CKA National Insurance Program by PROLINK/Trisura vs. CSEP's insurance

Differences between Professional Insurance Coverage offered by CKA/PROLINK, CSEP, CATA and Kinsurance.ca

Professional insurance coverage as valuable protection

Canada is becoming more litigious. In Canada, the value of court settlements has risen sharply in recent years. Increasingly, people are showing a willingness to turn to the courts and/or regulatory bodies when they believe that the services they received were substandard. The fact is, even if a professional is not at fault, defending against a legal action can be very expensive, threatening personal financial security. Errors and Omissions insurance provides some measure of protection helping to cover legal defence costs and damages that may be awarded. 

 

Insurance Coverage Inclusions

The Canadian Kinesiology Alliance professional errors and omissions insurance policy covers the full-scope of kinesiology services including those outlined by regulatory bodies like the College of Kinesiologists of Ontario. The policy also extends to coverage to the following types of healthcare services: Sports therapy, massage therapy, physiotherapy, homeopathy, osteopathy, and psychotherapy. The policy requires that the fees earned for these additional services are less than $5,000 per patient and less than $25,000 for all patients during any one (1) policy year.

Not all professional insurance policies are equal. The Canadian Kinesiology Alliance spends a lot of time ensuring that it can offer industry leading products and services. 

 

Errors and Omissions and Commercial General Liability (CGL) Insurance

You are not required to hold commercial general liability insurance (CGL) in any jurisdiction in Canada, including Ontario. However, the Canadian Kinesiology Alliance suggests that consider purchasing this important product in order to avoid any possible gaps in insurance coverage. Commercial general liability insurance offered by the Canadian Kinesiology Alliance helps to protect in the event that you are involved in a legal action by a third-party who sustained a bodily injury or property damage unrelated to professional advice that may have been given. Errors and Omissions (E & O) insurance helps to protect you for bodily injury claims sustained by a patient as a possible result of the professional advice and services given. CGL is important if any one of the following applies to you:

1. You own or leasing your own clinic location;

2. You provide advice and services in a clinic location that is not operated by you; or,

3. You provide services to patients from your home.

In order to purchase the Commercial General Liability insurance products offered by the Canadian Kinesiology Alliance you must have purchased one or our Errors and Omissions (E & O) products.

PROLINK Insurance Videos
Professional Liability
Commercial General Liability
Cyber Security
 

Statement of claim Procedure

Working with our insurance industry experts, the Canadian Kinesiology Alliance is here to help! If you receive a statement of claim or threatening comments from a client do not admit to any liability or fault to anyone but contact us immediately at info@cka.ca.

 

Protection when stopping practice

Legal action can take place months and years after advice and/or service is provided to a client. Perhaps even after you are no longer in practice. The industry-leading professional errors and omissions (E & O) insurance products provide purchasers with up to five (5) years of coverage after you stop practicing. This feature of the policies provided by the Canadian Kinesiology Alliance is known as extended reporting period coverage. Many policies do not offer this feature. Indeed, other providers may well add additional fees if extended reporting period coverage is requested.

Download the Insurance Program Brochure.