ICBC or other Insurance Company Work
ICBC requires Kinesiologists who are employed or working as independent contractors to carry a minimum of $2M in coverage but may require $5M in coverage for corporations or limited companies. You should inquire with ICBC if this situation applies to you. Other insurers may also have their own requirements and these should be confirmed with the payer prior to initiating service delivery.
If you are, or plan to work onsite in a private or public clinic, you should confirm with the employer the amount of coverage (coverage limit(s)) the employer requires for Professional Liability (PL) and Commercial General Liability (CGL) insurance to ensure you purchase the correct level(s) of coverage to meet your practice needs.
Community Work (ICBC or other)
If you are, or plan to work in a community setting (public recreation centre(s) and/or a combination of private clinic and public spaces), you may require a minimum of $5M (per loss/per year) coverage limit, for both PL and CGL insurance. Most cities, districts and municipalities require all persons or entities utilizing their facilities or public spaces for business or professional purposes to carry and provide proof of insurance to minimize risk and reduce loss exposure to them, should something negative and unforeseen happens with, or to, a client while receiving your services in or on public facilities/property.
Community Work & Requirements for Adding Additional Insured's to Your CGL Policy
If you work in the community and utilize public spaces or facilities (school/parks/police/community centre(s) referred to here as "facilities") the municipality/city may require you name them as an additional insured on your CGL insurance policy prior to permitting access or use by you and your client(s). Adding additional insured's which are not already included on your policy requires assessment by the insurer to determine risk, so you should ensure this is completed well in advance of your required facility/space access date or insurance renewal. Again, this delay can 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 the municipal entity has been added as an additional insured.
Additional Insureds Automatically Included on your BCAK Member CGL Policy
If you are requested to add additional insured's to your policy, please review the master list(s) of additional insured's to verify your requirements are met. If you require an additional insured(s) which are not included on the above lists, please contact Prolink directly.
Work Outside of Canada or With Persons Residing Outside of Canada
If you travel for work to locations outside of Canada, you will need to ensure the policy coverage you carry is valid in those jurisdictions. The CKA/BCAK group policy provides a temporary extension for work in the USA (with restrictions), however does not extend to other areas of the world. The same applies for work delivered remotely through online means, such as Telehealth or Personal Training. Regardless of whether you physically travel outside of Canada for work or provide services virtually to clients in other parts of the world from with BC or Canada, you should contact your insurance broker to verify your coverage restrictions and seek to obtain coverage which is valid in all jurisdictions in which you carry out business.
For information on insurance coverage (and its importance) after retirement see - Business Resources - Retirement, Career Change & Insurance