Your Professional Liability Insurance (PLI) covers claims arising from your professional advice or services. But what about everything else? Accidents can happen in your workspace, with your equipment, or even through the products you recommend. That’s where Commercial General Liability (CGL) Insurance comes in.

CGL fills the gaps that PLI doesn’t cover, protecting you against broader operational, premises, equipment, and product-related risks that could lead to costly legal claims or reputational consequences.

Learn More: All About Commercial General Liability Insurance: What is it, What’s Covered, and What’s Not?

CGL Insurance protects you from claims that arise during your day-to-day operations, regardless of the professional services or advice you provide. Here are some common examples of what’s covered for Kinesiologists:

• Bodily Injury: A client slips, trips, or otherwise injures themselves while visiting a location that you own, lease, or occupy. This would also include injuries sustained outdoors.
• Third-Party Property Damage: You accidentally cause water, fire, or smoke damage to the property you rent or an adjacent unit. A common example is water leaking from a washing machine, toilet, or sink into the unit below your rented space.
• Libel & Slander: Another healthcare practitioner alleges reputational harm due to something you said or posted.
• Home Office Exposure: A client visiting your home clinic gets injured, and your personal homeowner’s policy doesn’t cover business-related claims.
• Equipment Malfunction: A client or another third-party is injured while using equipment you recommended or maintained.
• Products Liability: A supplement or product you recommended causes harm or adverse reactions to a client, like ingestion, skin burns, bruising, and more. 

Each of these situations could lead to claims costing tens or even hundreds of thousands of dollars in legal defence costs and damages. Without a CGL policy in place, you may have to cover those expenses out-of-pocket.

Learn More: Your Commercial General Liability Coverages Explained

As part of the new bundled insurance package in 2026, members of BCAK, AKA, MKA, NBKA, KinPEI, KAS and NLKA automatically receive $2 million of CGL coverage with their Professional Liability Insurance (PLI) policy. The bundled CGL price is just $32 per year—that’s $5 in annual savings compared to 2025, when the same standalone CGL coverage cost $37 per year.

The PLI policy pricing remains unchanged for 2026. Together, the bundled solution offers comprehensive protection and better value for your professional practice.