Welcome to the CKA Insurance Program from PROLINK
Welcome to the Canadian Kinesiology Alliance program from PROLINK—Canada’s Insurance Connection.
PROLINK offers comprehensive and cost-effective insurance coverage to address the unique personal and professional insurance needs of Kinesiologists. Members of CKA, or any of the CKA Provincial Partner Associations, can benefit from superior protection at unparalleled rates.
CKA Provincial Partner Associations include:
BC Association of
Kinésiologues du Québec
Newfoundland & Labrador
BC Association of
Kinésiologues du Québec
Newfoundland & Labrador
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
Professional Liability Insurance
Healthcare is all about communication. But what you communicate isn’t always what’s understood. When you’re focused on 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 aggravated, their condition.
Even providing advice 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 take care of that. That’s why PROLINK has partnered with the CKA to address the specific 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. We’ll take care of you 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!
Commercial General Liability Insurance
Practicing independently gives you the freedom to work the way you want—your business, your clients, your time. But what about your risks? You could be liable for any number of reasons, especially if you:
- Own, rent, or lease office space: a client could slip and fall on your property;
- Own a small practice: the smaller the business, the harder the recovery;
- Work from home: your homeowner’s policy might not cover you;
- Use your personal car for business needs, like visiting clients or storing files: commercial vehicles aren’t usually covered under your auto insurance;
- 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 even 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 CKA 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.
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 damage.
The cost of repairs and replacing your medical 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 out of the way, 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 might 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.
- Protection for any:
- 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!
- Protection for any:
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;
- 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.
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.
Home & Auto Insurance
Your home and your car aren’t just your assets; they’re your prized possessions. And as a working professional, you’ve probably invested a lot of time and effort into them.
Accidents can happen for any number of reasons—theft, loss, natural disasters. No matter the cause, one thing’s certain: you’ll be out thousands of dollars in damages. A financial setback no doubt, but it’ll sting a bit more if you’ve added a major renovation to your home or bought a brand-new car.
At PROLINK, it’s our job to worry about your coverage and your risks so that you don’t have to. Bundling your coverage together through our comprehensive Home & Auto Insurance policy won’t just get you the protection you need, but the responsive, personalized service you deserve.
With over 30 years of experience and access to a network of insurers, we’ve seen it all. With PROLINK, you’ll have your pick of insurance solutions and added benefits at just the right price point for you.
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.
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.
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.
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.
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.
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.
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.