BCAK-British Columbia Association of Kinesiologists

Logo of British Columbia Association of Kinesiologists (BCAK)

Welcome to the BCAK Insurance Program from PROLINK

PROLINK offers comprehensive and cost-effective insurance coverage to address the unique personal and professional insurance needs of Kinesiologists. Members of BCAK, can benefit from superior protection at unparalleled rates.

An added benefit? PROLINK and the BCAK have made it easier than ever to apply for, or renew, your professional insurance! Our online application can be completed on your mobile phone, computer, or tablet. Pay by credit card and receive your documents within minutes!

At PROLINK, we can help you feel confident that you have the right protection, should something occur.

We believe in personal relationships.

We value knowing you, and taking the time to understand your unique situations, so that we can provide you with genuine advice and follow-through. Our named, dedicated advisors will take a holistic view of your lives and explain all of your coverages and potential exposures, so that you can make educated decisions.

We have over 30 years of experience.

As a result, we’ve seen insurance from every perspective. Wherever you’re coming from, and whatever you need, we’re your one-stop-insurance-shop. You can depend on us for the protection you require.

We represent a network of insurers.

We know their strengths, their weaknesses, how they’ll assess you as a risk, and how they’ll treat you in the event of a claim. Plus, as one of Canada’s largest national brokerages, we have the buying power and influence required to advocate for you and your needs with the various insurers.

We work for you, not the insurer.

As an independent insurance brokerage, we are not obligated to sell you on a particular insurer. Instead, we’ll evaluate the available offerings and the discounts you are eligible for, to bring you solutions to best fit your life.

Protection for My Business and Professional Life

Browse our professional insurance solutions tailored to the needs of BC's Kinesiologists.

  • Professional Liability Insurance

    Healthcare is all about communication. But what you communicate isn’t always what’s interpreted or understood. When you’re focused on reviewing a client's medical and medication history, rehabilitating an injury, administering medications, or designing a wellness plan, you could be susceptible to a lawsuit whether you’re at fault or not. Especially if a client thinks you’ve failed to treat, or have aggravated, their condition.

    Even providing "friendly" advice to acquaintances, colleagues or friends or assisting someone outside of office hours might lead to allegations of malpractice. And your employer may not always cover you in their policy—even worse they might sue you to recover the money spent on legal defenses.

    Professional Liability Insurance can cover these types of situations. That’s why PROLINK has partnered with the BCAK to address the specific types of risks you face as a Kinesiologist. Our comprehensive, custom-tailored program will protect you from any allegations of negligence, error, or misrepresentation, even if the claims made against you are groundless, provided the claim is made against you in Canada. We’ll take care of your so you can take care of your patients.

    Policy highlights include:

    • FREE telephone legal advice;
    • $50,000 liability limit to use toward legal fees and damages associated with Privacy Breaches;
    • Duty to defend actual or alleged claims or lawsuits brought against you;
    • Pays legal defence costs and compensatory damages if you are found liable;
    • And more!

    Contact PROLINK to apply online today!

    • FAQ

      • 1. What does Professional Liability insurance cover?

        In general, Professional Liability covers you against allegations brought by a third party (i.e., a client) seeking damages resulting from a negligent or wrongful act, error, omission or arising from your profession and within your scope of practice.

      • 2. Will the Professional Liability policy protect me if a complaint is filed against me with my Regulatory Body?

        The chance of having someone file a formal complaint against you is greater than the chance of being sued. There are different regulatory bodies in each province; however, this policy will provide access to lawyers who specialize in defending professionals being investigated by a regulatory body or authority due to a complaint.

      • 3. Will the Professional Liability policy protect me if I am charged with a criminal offence?

        The policy will reimburse you for the legal defence costs incurred in a criminal action related to their services if the criminal charges are dropped or if you are found not guilty for the offence.

      • 4. When do I need to update my policy?

        You will know if you are served with a statement of claim. However, there are other circumstances where you should also contact PROLINK because it could constitute a claim under your Professional Liability policy.

        The other circumstances include:

        • A client or their lawyer issues a verbal or written demand for damages (i.e., a letter or email is sent to you);

        • A client or their lawyer makes threatening comments verbally or in writing indicating that they are seeking damages and/or may sue you.

        • You made a mistake in how you rendered your professional services and may have caused harm to a client.

      • 5. The Professional Liability policy is a “claims-made” policy. What does "claims-made" mean?

        "Claims-made" requires you to have a policy in effect when a claim is reported (made). Any claims are covered under the policy that is in force at the time and NOT the policy in force when the occurrence took place.

      • 6. What is a retroactive date?

        Retroactive Date: any claims that arise from incidents that occurred before this date are excluded from your policy.

      • 7. Do I need any other type of insurance if I own or rent an office location?

        Yes, you should purchase Commercial General Liability insurance. The Professional Practice Liability policy will not defend bodily injury or property damage claims brought against you related to your premises. You should also consider Property Insurance to protect your office contents.

      • 8. What do I do if I receive a statement of claim?

        Once you are aware of an actual or potential claim, report it to PROLINK immediately. Please refrain from making written or oral statements, and do not offer to compensate or admit liability. Taking such actions could interfere in the insurer’s ability to manage the claim.

  • Commercial General Liability Insurance

    Practicing independently as a contractor or sub-contractor either in the community or clinic setting, gives you added freedom to work the way you want—your business, your clients, your time. But what about your risks? You could be liable in any number or circumstances or for any number of reasons, especially if you:

    • • Own, rent, or lease office space: a client could slip and fall on your property or the property you rent/lease;
    • • Own a small professional practice: admin or front desk staff could forget or be too busy to pass on important client information in a timely manner, resulting in injury to a client, the smaller the business, the harder it is to recover from the recovery;
    • • Work from home: your home insurance is not likely to cover you for professional work performed in or away from your home;
    • • Use your personal car for business needs, such as travelling to see clients or temporarily storing client files or records in your vehicle;
    • • Visit clients at another office, a hospital, or even at their homes: what if you accidentally damage their property?;
    • Have employees: more staff, more room for error.

    Lawsuits are expensive. Medical expenses, legal bills, and related financial damages can all bankrupt your business and potentially drain your personal assets if you have to pay out-of-pocket for losses.

    That’s where we come in. Like Kinesiologists, PROLINK is committed to helping others. Sometimes prevention just isn’t enough; accidents happen. And when they do, you’ll be covered with a cost-effective, comprehensive Commercial General Liability Insurance program exclusive to BCAK members. PROLINK will protect you from third-party claims of bodily injury, property damage, medical payments, advertising injury liability, and tenant’s legal liability. We’ll even defend your business if it’s named as a third-party in a lawsuit.

    Policy features include:

    • Covers incidents that occur on your premises, at a client’s home, hospital, or alternative facility;
    • Coverage for:
      • Bodily Injury and Property Damage Liability;
      • Personal Injury and Advertising Injury Liability;
      • Medical Payments;
      • Tenants Legal Liability.

    Contact PROLINK to apply online today!

    • FAQ

      • 1. Why is Commercial General Liability Important?

        Unfortunately, you can be sued for any injuries or property damages that occur while working with clients—even if you’re not at fault. This situation is so common that most venues, government parties, and corporations require that you have this type of coverage in place before you engage in any contract.

        Additionally, if you run your business from home, you could be at risk. For example, if a delivery man slips and falls delivering a work-related package, your typical home owner’s policy may not cover it. Commercial General Liability will.

      • 2. What does Commercial General Liability cover?

        Commercial General Liability covers you in the case of third party injuries and property damage that occurs through your professional activities. It also provides you with insurance for Tenant’s Legal Liability, Employer’s Liability, Voluntary Compensation and Non-Owned Automobile coverage and more.

      • 3. What is a non-owned automobile?

        This refers to vehicles that are not owned by your company, but are being used for business purposes. For example, it provides protection if an employee must drive their own personal vehicle for business use. It covers bodily injury and property damage that is caused by such vehicles, because otherwise the employer can be held liable for employee-perpetrated accidents.

  • Property Insurance

    If you have your own Kinesiology practice, chances are you also own, rent, or lease office space. Whether it’s a major corporation, an up-and-coming firm with a small staff, or a home-based office, every business has valuable assets. And whether it’s a natural disaster, a power outage, or a break-in, every business is vulnerable to loss or damage.

    The cost of repairing or replacing your treatment equipment can result in a burden on your business for years to come—for smaller firms, that impact might be financially devastating. Even if you can cover the expenses out-of-pocket, there’s the added blow of losing any income you would’ve earned before having to relocate or close down temporarily to fix the damages. Plus if your new location is farther away, has poor access or is not as well equipped as your previous location, it might inconvenience your existing clients and keep any new ones away.

    And if your office is home-based? Keep in mind that your business and contents may  not be covered under your Home & Auto policy, especially for any equipment taken on the road.

    That’s where we come in. With over 35 years of experience, PROLINK has seen it all. We’ll take the time to carefully audit your office contents and ensure that your business property, equipment, and furnishings are protected for their full value. We’ll also make adjustments to your coverage as your business continues to grow so you’re secure no matter what.

    Highlights include:

    • Protection for any:
      • Equipment;
      • Inventory and supplies;
      • Office furniture and fixtures;
      • Computers and electronics.
    • Shield your office from flood and sewer backup;
    • Insure against any theft or physical losses;
    • And more!

    Contact PROLINK to apply online today!

    • FAQ

      • 1. Is my home office covered under my home insurance policy?

        Not necessarily. You need to check your policy or request PROLINK‘s assistance to determine if adequate coverage is available.

      • 2. My business doesn’t house a lot of furniture do I really need property insurance?

        You may not think your business has anything of value. But when was the last time you properly assessed your office contents? You may be surprised at how quickly things add up.

        And Property insurance offers protection for more than just traditional furniture. Computers, software, project files and resources, as well as any equipment you take on the road are also covered with this policy.

        Plus, you can claim business interruption costs that result from the disruption of your physical space while you work to recover from an incident.

      • 3. What are business interruption costs?

        Funds to cover the actual loss you experience with property damage, not just the physical loss. This means any business income lost as a result of suspended operations while you repair your property.

  • Data Security and Privacy Breach Insurance

    In this day and age, all companies are data companies. When you rely on computer networks for the bulk of your work, hackers, malware, and ransomware pose a real threat. Whether it’s a stolen laptop, a breach in your cloud provider, or even extortion from a rogue employee, being on a network exposes you to cyber risk. And you may not realize the value of your digital assets—and the implications of a breach—until it’s too late.

    As a Kineseiologist, you might even be more attractive to some cybercriminals for your third-party connections. Especially if you service high-profile clients. But make no mistake, with a lower budget for security provisions, smaller practices are just as susceptible to attack. Given the value of private health information, it’s no coincidence that healthcare providers are among the most targeted professionals when it comes to security breaches.

    You might think that your property or liability insurance policy will restore your files for a small add-on fee. But there's no fast fix for a cyber attack. Data Security and Privacy Breach Insurance with PROLINK can protect you against these losses, help you get your electronic assets back in order, and your business back online.

    Our valuable policy features:

    • Legal coaching on how to handle the breach;
    • Business interruption costs while you get your business online;
    • Legal fees in the case of a civil suit;
    • Funds for court-awarded damages;
    • PR services for managing reputational impact;
    • Provisions for credit monitoring and client notification fees.

    Contact PROLINK to apply online today!

    • FAQ

      • 1. Why is Cyber/Privacy Liability insurance important?

        Every business runs the risk of experiencing a cyber/privacy breach at least once in their lifetime. Recently, sophisticated fraudsters have proven that even the most secure organizations are at risk, too. The prevalence of cyber-attacks is only expected to increase and businesses report massive financial losses as a result of managing the fall-out. While a good defence strategy can certainly help, it’s not a question of IF your company will experience a breach but when.

        In Canada, privacy laws are ever-changing. And the process of navigating a breach is confusing and expensive. Damages are being awarded for not only sensitive information exposed, but for the resulting emotional injury as well. Finally, is every single one of your employees tech-savvy? Can they recognize a phish and stop scammers at the gate? The reality is that many breaches are caused by employee errors or mal-intent. And you need to be protected. Cyber/Privacy Liability insurance can help with that.

      • 2. What does PROLINK’s Cyber/Privacy Liability offer?

        Our Cyber/Privacy Liability policy will provide you with funding for Public Relations services to manage the reputational impact of the breach, as well as, provisions for credit monitoring and client notification fees if sensitive client information is exposed.

        Additionally, you will be able to cover the legal defence fees in the case of a civil suit made against you, along with funds for court-awarded damages. You can even cover some of your business interruption costs while you get your business back online.

        Finally, you will have access to a breach coach who will guide you through the entire process.

      • 3. What is a breach coach?

        A breach coach is a lawyer who specializes in guiding firms through a Cyber/Privacy breach. They are there to provide you with the advice you’ll need to make the process as simple as possible.

Useful Information and Insurance Tips

Clinical Work

If you are or plan to work onsite in a private or public clinic, you should confirm with the employer what level (coverage limit(s)) they require for Professional Liability (referred to as Errors and Omissions) Insurance and Commercial General Liability (CGL) insurance (if any) to ensure you purchase the correct level(s) of coverage to meet your practice needs.

Community Work

If you are or plan to work in a community (public recreation centres and/or a combination of private clinic and public spaces) setting, you will likely require a minimum of $5 million (per loss) coverage limit, along with matching coverage for CGL insurance. It is now a standard risk management policy for most cities, districts and municipalities to require all persons or entities utilizing their facilities or public spaces for business or professional purposes to carry high levels of insurance to reduce the local government's exposure to loss, should something negative and unforeseen happens with, or to, a client while receiving your services in or on public facilities/property.

Commercial General Liability (CGL) Insurance & Additional Insured's

If you work in the community, the various cities, districts, municipalities, school/parks/police/community centres (the "facilities") in which you work may require that you name them as an additional insured on your commercial general liability insurance policy prior to accessing a facility. Adding additional insured's to a CGL policy requires time for the insurer to assess the risk, so you should ensure this is completed well in advance of your required access date, preferably at the time the initial coverage is purchased, or may result in a delay (it can require 2 weeks or more) before the addition is approved and you receive a certificate of insurance. Again, this delay may impact your ability to earn income should you be denied entry to a recreation facility, public park or school property and are unable to work with clients until such time as you provide written proof (i.e., the certificate of insurance) the entity has been added as an additional insured. It is recommended by the BCAK for members to review the potential additional insured's in the area/community where they work and ensure they are on the additional insured's list or added at the time of purchase to limit the chance you will not be able to access facilities when and where needed.

Insurance Application & Risk Management Assessment

All members should take the time to perform an annual risk assessment of their working environment, including any enhancements/changes planned or anticipated for the calendar year. This helps provide a better understanding of what insurance coverage(s), extension(s) and coverage limit(s) are most appropriate or required for your specific working situation.
Below are some key items you will need to know when buying or renewing your insurance (through CKA/BCAK Group Program or otherwise).

A) Determining E&O and CGL Coverage Limits

  1. Review the contractual agreements you have with the organizations/businesses/cities or municipalities you do business with or in. Does one or more agreement specify coverage levels and the types of insurance you require? You will want to ensure you are meeting the specified requirements in any contracts, as there is often a requirement to maintain limits of M for E&O and M for CGL coverage. This is particularly true if you work in public (city/municipal) or private gym facilities as a contractor or sub-contractor.
  2. Consider your client/customer base. Do you work with clients who have high incomes, such as celebrities, doctors, lawyers or other professionals? Claims brought against you by clients who are high income earners can be substantially higher than the average person and may exceed the loss limit for coverage on many policies.
  3. Review the services you provide. Do you provide rehabilitation therapy, or other modalities? Providing rehabilitation therapy or other treatments such as Shockwave therapy (ESWT), Low Intensity Laser Therapy (LILT), Therapeutic Ultrasound, Interferential current therapy, yoga or therapeutic yoga (this list is not exhaustive) can have a higher risk exposure to client injury and lawsuits, which may require additional premium to cover the risk. Members should always consider purchasing M of E&O and CGL coverage when providing higher risk professional services and ensure you have extended reporting period coverage when you eventually retire or change careers.
  4. Work outside of Canada (United States). Do you provide services to persons who are resident outside of Canada, either in person or via the Internet? If you do, you will need to estimate what percentage of revenue will come from US based clientele. If you generate US based revenue then contact the insurance broker to discuss your circumstances, as there are typically limits on how much US exposure Canadian based insurers will cover. If you have foreign revenue which is not US based, you will need to contact the insurance broker to determine if the policy coverage meets your needs.

B) Gross Revenue/Income for the next 12 months (year)

The insurance application requires you to input this information. It is only an estimate for the next 12 months and for most kinesiologists the gross revenue/income is somewhere between $20,000 and $60,000 per year, however members who run their own business and have employees or use contractors/sub-contractor will typically have higher gross revenues and this may impact the insurance premium. A low estimate will not impact your premium or eligibility for the liability insurance.

C) Business Contents

Do you own business equipment/contents, machinery or furnishings which you use for work (including at any space/facility you lease or sub-lease from another person or organization) which you want to insure and are not insured elsewhere? If you do, you will need to know the replacement value ("current new value including taxes", not what you paid) for the contents and equipment before starting the online insurance application for the group insurance. You do not need to know the exact replacement value of all the contents and equipment that you own, but you should estimate the value to within 10% of what the actual replacement cost will be. It is highly recommended to over-estimate the replacement value to ensure you have adequate coverage in the event of a property damage claim.

D) Covering Staff and other Service Providers (who are not kinesiologists or licensed healthcare practitioners) under business insurance

Do you provide professional kinesiology services through an incorporated entity and want to insure staff or service providers under the Group Coverage?

  1. If you have an incorporated business, the answer is Yes, and you are insured under the group policy with Trisura, provided you list the gross revenue for the incorporated business and not simply your personal draw on the business. Ensure you include the name of the corporate entity on the policy to cover employees who are under your direction and control. Trisura will not cover independent contractors or any employees who are NOT under your direction and control (i.e., running their own fitness class, providing personal training or any form of therapy without your direct supervision and control)*.
  2. If the answer is No to providing services through an incorporated entity and you operate under any other business model, then coverage for employees or independent contractors cannot be provided under the group program.

Additional Details

  • Alternatively, PROLINK can cover the employees on a separate policy outside of the CKA/BCAK Group program premium. The cost to insure other employees will depend upon the overall revenues earned from the other “service providers” operating under your business.
  • Any “service providers” who are independent contractors must purchase and carry their own E&O Liability coverage for the services they provide.

Additional Resources

Resources to assist you in assessing your risk exposure can be found online through a variety of sources, two have been provided below to get you started;

  1. The Insurance Bureau of Canada on their website: Professional Liability - Risk Management.
  2. Steps in the Process of Risk Management in Healthcare - Journal of Epidemiology and Preventive Medicine (Open Access Review Article). The principles and techniques explained here can be adapted to any type or size of healthcare operation.

CKA/BCAK Group Insurance (Professional Liability, referred to as E&O and CGL)

The CKA/BCAK group insurance policy makes available coverage levels between ,000,000 and ,000,000 for both Professional Liability (E&O) and Commercial General Liability (CGL) insurance. You can mix and match the coverage levels to meet your professional needs. If you require coverage levels above what is available please contact the broker (PROLINK) directly or an insurance broker of your choice.

  • Please follow this link for a listing of the 2020 Member Insurance Premiums for Professional Liability (PL) and Commercial General Liability (CGL) available through the group insurance provider.
  • Please follow this link for the NEW 2020 Member Insurance Premiums and Changes (this is for the renewal period that starts December 1, 2019).

Policy Administration Fee

Beginning in 2020, there will be a $5 policy administration fee applied to all insurance policy purchases (combined of all E&O and CGL coverages) - see the link directly above for the new fees and premiums.

Amendment "add/change" Fee

If you require a change to your policy coverage during the term of the policy (other than a change of mailing address) there will be an additional $15 policy amendment fee charged to you by the broker each time you request a policy change. Please take this into consideration when making your initial policy purchase or policy renewal selections/decisions. The fee will apply when you make one or more changes, such as increasing coverage limits (applies to E&O and/or CGL), adding additional insured's to the policy or expanding the coverage to new operations and services.

Note: There is no additional charge to add additional insured's at the time of policy purchase or renewal, however, mid term additions will be subject to the $15 policy amendment fee.

Useful Information and Insurance Tips

Clinical Work

If you are or plan to work onsite in a private or public clinic, you should confirm with the employer what level (coverage limit(s)) they require for Professional Liability (referred to as Errors and Omissions) Insurance and Commercial General Liability (CGL) insurance (if any) to ensure you purchase the correct level(s) of coverage to meet your practice needs.

Community Work

If you are or plan to work in a community (public recreation centres and/or a combination of private clinic and public spaces) setting, you will likely require a minimum of $5 million (per loss) coverage limit, along with matching coverage for CGL insurance. It is now a standard risk management policy for most cities, districts and municipalities to require all persons or entities utilizing their facilities or public spaces for business or professional purposes to carry high levels of insurance to reduce the local government's exposure to loss, should something negative and unforeseen happens with, or to, a client while receiving your services in or on public facilities/property.

Commercial General Liability (CGL) Insurance & Additional Insured's

If you work in the community, the various cities, districts, municipalities, school/parks/police/community centres (the "facilities") in which you work may require that you name them as an additional insured on your commercial general liability insurance policy prior to accessing a facility. Adding additional insured's to a CGL policy requires time for the insurer to assess the risk, so you should ensure this is completed well in advance of your required access date, preferably at the time the initial coverage is purchased, or may result in a delay (it can require 2 weeks or more) before the addition is approved and you receive a certificate of insurance. Again, this delay may impact your ability to earn income should you be denied entry to a recreation facility, public park or school property and are unable to work with clients until such time as you provide written proof (i.e., the certificate of insurance) the entity has been added as an additional insured. It is recommended by the BCAK for members to review the potential additional insured's in the area/community where they work and ensure they are on the additional insured's list or added at the time of purchase to limit the chance you will not be able to access facilities when and where needed.

Insurance Application & Risk Management Assessment

All members should take the time to perform an annual risk assessment of their working environment, including any enhancements/changes planned or anticipated for the calendar year. This helps provide a better understanding of what insurance coverage(s), extension(s) and coverage limit(s) are most appropriate or required for your specific working situation.
Below are some key items you will need to know when buying or renewing your insurance (through CKA/BCAK Group Program or otherwise).

A) Determining E&O and CGL Coverage Limits

  1. Review the contractual agreements you have with the organizations/businesses/cities or municipalities you do business with or in. Does one or more agreement specify coverage levels and the types of insurance you require? You will want to ensure you are meeting the specified requirements in any contracts, as there is often a requirement to maintain limits of M for E&O and M for CGL coverage. This is particularly true if you work in public (city/municipal) or private gym facilities as a contractor or sub-contractor.
  2. Consider your client/customer base. Do you work with clients who have high incomes, such as celebrities, doctors, lawyers or other professionals? Claims brought against you by clients who are high income earners can be substantially higher than the average person and may exceed the loss limit for coverage on many policies.
  3. Review the services you provide. Do you provide rehabilitation therapy, or other modalities? Providing rehabilitation therapy or other treatments such as Shockwave therapy (ESWT), Low Intensity Laser Therapy (LILT), Therapeutic Ultrasound, Interferential current therapy, yoga or therapeutic yoga (this list is not exhaustive) can have a higher risk exposure to client injury and lawsuits, which may require additional premium to cover the risk. Members should always consider purchasing M of E&O and CGL coverage when providing higher risk professional services and ensure you have extended reporting period coverage when you eventually retire or change careers.
  4. Work outside of Canada (United States). Do you provide services to persons who are resident outside of Canada, either in person or via the Internet? If you do, you will need to estimate what percentage of revenue will come from US based clientele. If you generate US based revenue then contact the insurance broker to discuss your circumstances, as there are typically limits on how much US exposure Canadian based insurers will cover. If you have foreign revenue which is not US based, you will need to contact the insurance broker to determine if the policy coverage meets your needs.

B) Gross Revenue/Income for the next 12 months (year)

The insurance application requires you to input this information. It is only an estimate for the next 12 months and for most kinesiologists the gross revenue/income is somewhere between $20,000 and $60,000 per year, however members who run their own business and have employees or use contractors/sub-contractor will typically have higher gross revenues and this may impact the insurance premium. A low estimate will not impact your premium or eligibility for the liability insurance.

C) Business Contents

Do you own business equipment/contents, machinery or furnishings which you use for work (including at any space/facility you lease or sub-lease from another person or organization) which you want to insure and are not insured elsewhere? If you do, you will need to know the replacement value ("current new value including taxes", not what you paid) for the contents and equipment before starting the online insurance application for the group insurance. You do not need to know the exact replacement value of all the contents and equipment that you own, but you should estimate the value to within 10% of what the actual replacement cost will be. It is highly recommended to over-estimate the replacement value to ensure you have adequate coverage in the event of a property damage claim.

D) Covering Staff and other Service Providers (who are not kinesiologists or licensed healthcare practitioners) under business insurance

Do you provide professional kinesiology services through an incorporated entity and want to insure staff or service providers under the Group Coverage?

  1. If you have an incorporated business, the answer is Yes, and you are insured under the group policy with Trisura, provided you list the gross revenue for the incorporated business and not simply your personal draw on the business. Ensure you include the name of the corporate entity on the policy to cover employees who are under your direction and control. Trisura will not cover independent contractors or any employees who are NOT under your direction and control (i.e., running their own fitness class, providing personal training or any form of therapy without your direct supervision and control)*.
  2. If the answer is No to providing services through an incorporated entity and you operate under any other business model, then coverage for employees or independent contractors cannot be provided under the group program.

Additional Details

  • Alternatively, PROLINK can cover the employees on a separate policy outside of the CKA/BCAK Group program premium. The cost to insure other employees will depend upon the overall revenues earned from the other “service providers” operating under your business.
  • Any “service providers” who are independent contractors must purchase and carry their own E&O Liability coverage for the services they provide.

Additional Resources

Resources to assist you in assessing your risk exposure can be found online through a variety of sources, two have been provided below to get you started;

  1. The Insurance Bureau of Canada on their website: Professional Liability - Risk Management.
  2. Steps in the Process of Risk Management in Healthcare - Journal of Epidemiology and Preventive Medicine (Open Access Review Article). The principles and techniques explained here can be adapted to any type or size of healthcare operation.

CKA/BCAK Group Insurance (Professional Liability, referred to as E&O and CGL)

The CKA/BCAK group insurance policy makes available coverage levels between ,000,000 and ,000,000 for both Professional Liability (E&O) and Commercial General Liability (CGL) insurance. You can mix and match the coverage levels to meet your professional needs. If you require coverage levels above what is available please contact the broker (PROLINK) directly or an insurance broker of your choice.

  • Please follow this link for a listing of the 2020 Member Insurance Premiums for Professional Liability (PL) and Commercial General Liability (CGL) available through the group insurance provider.
  • Please follow this link for the NEW 2020 Member Insurance Premiums and Changes (this is for the renewal period that starts December 1, 2019).

Policy Administration Fee

Beginning in 2020, there will be a $5 policy administration fee applied to all insurance policy purchases (combined of all E&O and CGL coverages) - see the link directly above for the new fees and premiums.

Amendment "add/change" Fee

If you require a change to your policy coverage during the term of the policy (other than a change of mailing address) there will be an additional $15 policy amendment fee charged to you by the broker each time you request a policy change. Please take this into consideration when making your initial policy purchase or policy renewal selections/decisions. The fee will apply when you make one or more changes, such as increasing coverage limits (applies to E&O and/or CGL), adding additional insured's to the policy or expanding the coverage to new operations and services.

Note: There is no additional charge to add additional insured's at the time of policy purchase or renewal, however, mid term additions will be subject to the $15 policy amendment fee.

Useful Information and Insurance Tips

Clinical Work

If you are or plan to work onsite in a private or public clinic, you should confirm with the employer what level (coverage limit(s)) they require for Professional Liability (referred to as Errors and Omissions) Insurance and Commercial General Liability (CGL) insurance (if any) to ensure you purchase the correct level(s) of coverage to meet your practice needs.

Community Work

If you are or plan to work in a community (public recreation centres and/or a combination of private clinic and public spaces) setting, you will likely require a minimum of $5 million (per loss) coverage limit, along with matching coverage for CGL insurance. It is now a standard risk management policy for most cities, districts and municipalities to require all persons or entities utilizing their facilities or public spaces for business or professional purposes to carry high levels of insurance to reduce the local government's exposure to loss, should something negative and unforeseen happens with, or to, a client while receiving your services in or on public facilities/property.

Commercial General Liability (CGL) Insurance & Additional Insured's

If you work in the community, the various cities, districts, municipalities, school/parks/police/community centres (the "facilities") in which you work may require that you name them as an additional insured on your commercial general liability insurance policy prior to accessing a facility. Adding additional insured's to a CGL policy requires time for the insurer to assess the risk, so you should ensure this is completed well in advance of your required access date, preferably at the time the initial coverage is purchased, or may result in a delay (it can require 2 weeks or more) before the addition is approved and you receive a certificate of insurance. Again, this delay may impact your ability to earn income should you be denied entry to a recreation facility, public park or school property and are unable to work with clients until such time as you provide written proof (i.e., the certificate of insurance) the entity has been added as an additional insured. It is recommended by the BCAK for members to review the potential additional insured's in the area/community where they work and ensure they are on the additional insured's list or added at the time of purchase to limit the chance you will not be able to access facilities when and where needed.

Insurance Application & Risk Management Assessment

All members should take the time to perform an annual risk assessment of their working environment, including any enhancements/changes planned or anticipated for the calendar year. This helps provide a better understanding of what insurance coverage(s), extension(s) and coverage limit(s) are most appropriate or required for your specific working situation.
Below are some key items you will need to know when buying or renewing your insurance (through CKA/BCAK Group Program or otherwise).

A) Determining E&O and CGL Coverage Limits

  1. Review the contractual agreements you have with the organizations/businesses/cities or municipalities you do business with or in. Does one or more agreement specify coverage levels and the types of insurance you require? You will want to ensure you are meeting the specified requirements in any contracts, as there is often a requirement to maintain limits of M for E&O and M for CGL coverage. This is particularly true if you work in public (city/municipal) or private gym facilities as a contractor or sub-contractor.
  2. Consider your client/customer base. Do you work with clients who have high incomes, such as celebrities, doctors, lawyers or other professionals? Claims brought against you by clients who are high income earners can be substantially higher than the average person and may exceed the loss limit for coverage on many policies.
  3. Review the services you provide. Do you provide rehabilitation therapy, or other modalities? Providing rehabilitation therapy or other treatments such as Shockwave therapy (ESWT), Low Intensity Laser Therapy (LILT), Therapeutic Ultrasound, Interferential current therapy, yoga or therapeutic yoga (this list is not exhaustive) can have a higher risk exposure to client injury and lawsuits, which may require additional premium to cover the risk. Members should always consider purchasing M of E&O and CGL coverage when providing higher risk professional services and ensure you have extended reporting period coverage when you eventually retire or change careers.
  4. Work outside of Canada (United States). Do you provide services to persons who are resident outside of Canada, either in person or via the Internet? If you do, you will need to estimate what percentage of revenue will come from US based clientele. If you generate US based revenue then contact the insurance broker to discuss your circumstances, as there are typically limits on how much US exposure Canadian based insurers will cover. If you have foreign revenue which is not US based, you will need to contact the insurance broker to determine if the policy coverage meets your needs.

B) Gross Revenue/Income for the next 12 months (year)

The insurance application requires you to input this information. It is only an estimate for the next 12 months and for most kinesiologists the gross revenue/income is somewhere between $20,000 and $60,000 per year, however members who run their own business and have employees or use contractors/sub-contractor will typically have higher gross revenues and this may impact the insurance premium. A low estimate will not impact your premium or eligibility for the liability insurance.

C) Business Contents

Do you own business equipment/contents, machinery or furnishings which you use for work (including at any space/facility you lease or sub-lease from another person or organization) which you want to insure and are not insured elsewhere? If you do, you will need to know the replacement value ("current new value including taxes", not what you paid) for the contents and equipment before starting the online insurance application for the group insurance. You do not need to know the exact replacement value of all the contents and equipment that you own, but you should estimate the value to within 10% of what the actual replacement cost will be. It is highly recommended to over-estimate the replacement value to ensure you have adequate coverage in the event of a property damage claim.

D) Covering Staff and other Service Providers (who are not kinesiologists or licensed healthcare practitioners) under business insurance

Do you provide professional kinesiology services through an incorporated entity and want to insure staff or service providers under the Group Coverage?

  1. If you have an incorporated business, the answer is Yes, and you are insured under the group policy with Trisura, provided you list the gross revenue for the incorporated business and not simply your personal draw on the business. Ensure you include the name of the corporate entity on the policy to cover employees who are under your direction and control. Trisura will not cover independent contractors or any employees who are NOT under your direction and control (i.e., running their own fitness class, providing personal training or any form of therapy without your direct supervision and control)*.
  2. If the answer is No to providing services through an incorporated entity and you operate under any other business model, then coverage for employees or independent contractors cannot be provided under the group program.

Additional Details

  • Alternatively, PROLINK can cover the employees on a separate policy outside of the CKA/BCAK Group program premium. The cost to insure other employees will depend upon the overall revenues earned from the other “service providers” operating under your business.
  • Any “service providers” who are independent contractors must purchase and carry their own E&O Liability coverage for the services they provide.

Additional Resources

Resources to assist you in assessing your risk exposure can be found online through a variety of sources, two have been provided below to get you started;

  1. The Insurance Bureau of Canada on their website: Professional Liability - Risk Management.
  2. Steps in the Process of Risk Management in Healthcare - Journal of Epidemiology and Preventive Medicine (Open Access Review Article). The principles and techniques explained here can be adapted to any type or size of healthcare operation.

CKA/BCAK Group Insurance (Professional Liability, referred to as E&O and CGL)

The CKA/BCAK group insurance policy makes available coverage levels between ,000,000 and ,000,000 for both Professional Liability (E&O) and Commercial General Liability (CGL) insurance. You can mix and match the coverage levels to meet your professional needs. If you require coverage levels above what is available please contact the broker (PROLINK) directly or an insurance broker of your choice.

  • Please follow this link for a listing of the 2020 Member Insurance Premiums for Professional Liability (PL) and Commercial General Liability (CGL) available through the group insurance provider.
  • Please follow this link for the NEW 2020 Member Insurance Premiums and Changes (this is for the renewal period that starts December 1, 2019).

Policy Administration Fee

Beginning in 2020, there will be a $5 policy administration fee applied to all insurance policy purchases (combined of all E&O and CGL coverages) - see the link directly above for the new fees and premiums.

Amendment "add/change" Fee

If you require a change to your policy coverage during the term of the policy (other than a change of mailing address) there will be an additional $15 policy amendment fee charged to you by the broker each time you request a policy change. Please take this into consideration when making your initial policy purchase or policy renewal selections/decisions. The fee will apply when you make one or more changes, such as increasing coverage limits (applies to E&O and/or CGL), adding additional insured's to the policy or expanding the coverage to new operations and services.

Note: There is no additional charge to add additional insured's at the time of policy purchase or renewal, however, mid term additions will be subject to the $15 policy amendment fee.

Protection for Me and My Personal Life

Your life is complicated. But selecting your insurance doesn’t have to be. Read on to see how PROLINK can help make the road to your insurance solutions simple.

  • Health & Dental Insurance

    If you’re an independent Kinesiologist, you probably don’t have access to traditional employee benefits like Health, Dental, and Drug coverage. But as a healthcare provider, you know that treatments, prescriptions, and dental work always seem to pop up when you’re least expecting them.

    It only takes one accident to put you into major debt. And if you end up with a serious illness, injury, or chronic condition that requires ongoing care, the costs can add up pretty quickly.

    We can help. PROLINK’s comprehensive program covers Health, Vision, Dental, and Drugs, and can get you access to Paramedical services such as Massage, Chiropractic Adjustment, Physiotherapy, and more. Taking advantage of your plan and being proactive about your health now, will help you prevent long-term conditions in the future.

    Plus, by purchasing your insurance through PROLINK, you become part of a member pool across all of the associations that we represent. And that means access to lower rates.

    To learn more, contact PROLINK today.

    • FAQ

      • 1. Do I have to buy BOTH Health and Dental?

        No, you can opt out of Dental if you feel that you already have sufficient coverage through another plan.

      • 2. Which services are encompassed in Health and Dental insurance?

        With your Health and Dental plan you can access:

        • Extended healthcare coverage that includes:
          • Annual reimbursement for prescription drugs;
          • 80% reimbursement with dispensing fee deductible;
          • 15 paramedical services such as massage, chiropractic, homeopath, etc.
          • $5 million Emergency Medical Travel coverage for trips within province;
          • Vision coverage: $50 for examinations (every 24 months), $250 for hardware.
        • Dental coverage for preventative and basic restorative procedures;
        • Life insurance and accidental death and dismemberment coverage;
        • A weekly income benefit should you become disabled;
        • A long-term disability benefit that activates after 26 weeks of continuous disability;
        • An assistance plan for counselling and advisory services.
      • 3. How does the Weekly Disability Benefit function?

        If you become totally disabled, this benefit pays $250 weekly. Benefits will begin on the first day of an accident or hospitalization and on the 15th day of sickness, continuing for a period of 26 weeks if necessary.

      • 4. When does Long Term Disability begin to apply and for how long will I receive benefits after becoming completely disabled?

        After 26 weeks of continuous total disability, up to $3,000 monthly benefit is paid out tax free. Benefits will be paid out until age 65.

  • Life Insurance

    Life insurance is the coverage you avoid thinking about—until there’s a major emergency or health scare that forces you to reconsider.

    If something were to happen to you, who would provide for your family? Who would take on your debts? Who would cover your funeral expenses and the estate taxes from getting your affairs in order?

    Your loved ones might never truly heal from the pain of losing you, but you can help them recover from the financial strain of an untimely death. A life policy can help them get back on their feet so they can focus on processing their grief.

    Plus if you insure early on, you can avoid paying a higher premium as you get older.

    Don’t wait. Pass the pain over to us. At PROLINK, we’ll take the time to understand you, your needs, and your family. We’ll provide you with affordable, long-term protection so you can provide for your loved ones if the unexpected happens to you.

    Contact PROLINK to evaluate your options today!

    • FAQ

      • 1. Why do I need Life insurance?

        If you have a family or dependents, your Life insurance can ensure that they won’t suffer financially following your death.

      • 2. Does my age affect my life insurance premiums?

        Yes. Typically, the older you are the higher the risk and by association, the premium. That’s why experts recommend purchasing a Life insurance policy when you are younger. However, other factors like gender, medical history, smoking, can also impact your premiums.

      • 3. Are there any restrictions as to who I can name as a beneficiary?

        There is no restriction to who you can name as a beneficiary. That being said, if a beneficiary is a minor then a Trustee must be appointed for the duration of time until the beneficiary reaches the age of majority.

      • 4. Is the payment my beneficiary receives tax-free?

        Yes.

  • Critical Illness Insurance

    As a Kinesiologist, you know that modern medicine has increased survival rates for people with life-altering illnesses to an unprecedented level. That means you also know how costly it is to live with a critical illness.

    Most medications and treatments aren’t covered by a traditional drug plan. The latest healthcare breakthroughs are rarely available outside the U.S. On top of that, there are also travel expenses, childcare, and all the added indirect costs of having to live with a major health condition.

    Even if you are financially stable, medical costs will take a toll on your hard-earned savings. If your family relies on your income, this will only make matters worse.

    Critical Illness Insurance can help with that by providing you with a lump sum that can be leveraged in whatever way best suits your needs. Once it’s been paid, how you spend it is completely up to you, whether that’s hiring a nurse, making your home accessible, or even paying off part of your mortgage.

    You can’t predict an illness, but you can plan for it. With PROLINK, you can access top quality care through a customized and cost-effective Critical Illness policy for the long-term financial flexibility you need.

    Contact PROLINK to evaluate your options today!

    • FAQ

      • 1. Is Critical Illness insurance paid out to my family after I pass away?

        No. Critical Illness insurance is a living benefit and is usually paid out to you as a lump-sum following a survival period of 30 days after diagnosis of one of the listed illnesses.

      • 2. What is a survival period and how long does it last?

        A survival period refers to the waiting time between receiving a diagnosis and when your benefit is paid out. For most Critical Illness policies, it is 30 days.

      • 3. How is the lump sum determined?

        Typically, you need to purchase coverage for up to two years of income. However, we can offer you access to limits of up to $1 million. There is also no associated deductible.

      • 4. Are there any restrictions as to how I can use the money from my Critical Illness Insurance?

        No. You can use your Critical Illness insurance for anything from medical treatment to a luxurious vacation. How you want to spend your money is completely up to you.

  • Travel Medical Insurance

    You work hard and you deserve a worry-free vacation. Yet, no matter how much you plan accidents can happen. Getting injured or sick overseas can result in anything from a minor inconvenience to a massive financial blow.

    Think of travel insurance as a small investment with high value. It seems like an unnecessary expense and it’s definitely not the most exciting part of trip planning. But your peace of mind is priceless. Taking the time to set up protection in advance can save you the nightmare of unexpectedly forking out thousands of dollars abroad.

    With access to over 30 insurers, PROLINK can offer you a comprehensive insurance plan that suits your travel needs. Beyond emergency medical costs, we can also help you with lost baggage and trip cancellation fees through a few enhancements to your policy, even if it’s just for a weekend trip across the border.

    With PROLINK you’ll be prepared for whatever happens, wherever it happens. We want you to travel with ease, comfort, and the confidence of knowing we’ve got you covered.

    Contact PROLINK to learn more today!

    • FAQ

      • 1. Is Travel Medical Insurance purchased per trip or on a yearly basis?

        It’s up to you. Both types of policies are available. However, purchasing on a yearly basis means you will be covered for all trips you take during that year. Purchasing per trip is more limited.

      • 2. Can I add any additional travel protection to this policy?

        Yes. We can add Lost Baggage and Trip Cancellation extensions to your coverage.

      • 3. What is covered under Lost Baggage?

        This provides protection for the replacement value of items in baggage that is lost during travel.

      • 4. What is covered under Trip Cancellation?

        This coverage provides reimbursement for travel expenses (airfare and accommodation) when the trip must be cancelled prior to or after departure for some unforeseen reason.

  • Pet Insurance

    If you’re like most pet owners, your pet is your constant companion. So when your beloved companion inevitably falls ill, it can be stressful. It’s hard to see your once-lively pet refuse to eat or struggle up the stairs.

    While the veterinarian might be able to remedy whatever’s ailing your pet, that cure usually comes at a high cost, especially when you want your pet to receive the best care possible. Depending on the treatment, you might have to save up first—during which time your pet could get sicker—or put yourself in debt to afford all those unexpected fees.

    Purchasing PetSecure insurance through PROLINK can help take away the financial burden of getting your pet the care they need. For a small monthly rate, you can receive up to thousands of dollars in coverage for your pet’s accidents, illnesses, and dental care.

    Contact PROLINK to learn more today!

    • FAQ

      • 1. What's included in my pet insurance policy?

        Accidents, illnesses, dental exams, exam fees, alternative therapies, surgery, medication, preventative care and more are covered in your pet insurance policy.

      • 2. What is co-insurance?

        Co-insurance is the percentage you pay of the total cost of the claim. For example, if insurance covers 80% of the claim, you pay the 20% out-of-pocket.

      • 3. I have more than one pet. Do you offer a volume discount?

        Yes. You’ll receive 10% off for enrolling three or more pets, and 15% off for enrolling six or more pets.

      • 4. Are pre-existing conditions covered?

        No. Unfortunately, pre-existing conditions that showed symptoms before the policy was enacted or during the waiting periods are not covered.

Caring Claims

Sometimes, stuff happens. In the event that you need to make a claim and the situation is urgent or an emergency, help is a phone call away!

Monday to Friday (8AM to 5PM)
 Contact PROLINK directly at 1 800 663 6828. We will take your claim, confirm your policy and report it to your insurer.

After Hours
 
Access our after-hours claims service, Kernaghan Insurance Adjusters at  1 800 387 5677, or call your insurer directly and they will loop us in.

Please reach out to PROLINK if you ever feel unsure. We’re here for you.

Speak to a Representative Today

To speak to a professional who can guide you to the right coverage from the right insurer at the right price contact us below:

1-800-663-6828


Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits


Personal InsuranceCommercial EnterpriseAssociations & Affinity GroupsLife & Benefits

Search
Generic filters
Exact matches only