Practicing Membership Insurance Information/Requirements

The information provided on this page details the insurance requirements for Practicing membership in the BCAK. It also provides additional information to assist members with:

  • making informed decisions on the purchase of professional practice insurance,
  • self-assessing risk exposure regarding activities performed or incorporated into their professional practice.

Disclaimer: This page does not provide details on policy coverage. Only a licensed insurance broker is allowed to discuss policy coverage, terms and exclusions and the BCAK is not able to respond to these type of inquiries. Members should consult a licensed insurance broker for additional guidance and information. CKA/BCAK Member Group Plan Insurance purchasers must contact Prolink (the broker) directly for information on or explanations of coverage(s), exclusions, limitations and endorsements related to the group plan policy. Leona Peterson - leonap@prolink.insure, Telephone: 1- 800-663-6828

BCAK Practicing Member Insurance Requirements

Professional Liability and Commercial General Liability Insurance Coverage are a requirement of Practicing Membership. Members must either purchase the insurance through the CKA/BCAK group provider at the time of membership purchase/renewal or they may request approval of other insurance coverage. Other insurance must be of an approved form and a request for equivalency must be accepted, prior to being allowed to purchase or renew Practicing membership with the BCAK. Provided the insurance meets the BCAK's requirements listed below, equivalency will be accepted.

How to Apply for Approval of External Insurance Coverage

Liability Insurance Requirements

Depending on your employer, you are required to have private sector insurance, public sector insurance, or both. If you are not currently employed, you are still required to have private sector professional liability and commercial general liability insurance coverage. The requirements are detailed below.

Private Practice (Sector)

Review the policy to confirm it meets the requirements listed below. Policies which do not meet all the requirements listed will be rejected.

Private Practice Requirements

  • You (the member) are shown as the "named insured", an "insured" or an "additional named insured" on the policy.
  • The policy is written with an insurer licensed to conduct business in the province of BC and Canada.
  • The insurer must have a minimum A.M. Best Rating of “A-“.
  • Policy Coverage includes Professional Liability/Errors & Omissions (PL) and Commercial General Liability (CGL) Insurance for the acts of you (the BCAK member) in the delivery and performance of professional services in accordance with full scope of practice defined by the BCAK.
  • Liability limits of not less than $2,000,000/occurrence(claim) and $2,000,000 per policy term for both PL and CGL.
  • Additional PL Requirements
    • Policy wordings do not restrict coverage to work with healthy or uninjured persons whether in these specific terms or others synonymous with good health.
    • Policy wordings cover the entire scope of practice for kinesiology as defined by the BCAK.
    • Policy deductible is not greater than $2,500 per claim.
    • Policy wordings cover all claims made during the policy period.
    • Policy wording provides full retroactive coverage. (i.e. There must be no retroactive date limiting coverage for prior professional services rendered)
    • Policy includes or makes available, extended reporting/discovery period coverage of not less than 5 years.

Submission Steps

  1. Submit a copy of your private insurance certificate from the insurer for review. If the requirements indicated above are not indicated or can not be determined from the document(s) submitted, your request for coverage acceptance will be declined. (full wordings may be required depending on whether the information required can be ascertained from the policy cover sheet)
  2. Submit a completed BCAK Insurance Declaration and Waiver form. This form stipulates that, "to the best of your ability" you have reviewed the coverage, determined that it meets the BCAK's requirements, and that if you are under an employers policy and employment is terminated for any reason, you will immediately obtain other insurance and provide proof to the BCAK.

Public Practice (Sector) - Government, Crown Corporation, BC Health Authority or Hospital

Submission Steps

  1. Submit a confirmation letter from the government agency confirming your regular employment for review.
  2. Submit a completed BCAK Insurance Declaration and Waiver form. This form stipulates that, "to the best of your ability" you have reviewed the coverage, verified that it meets the BCAK's requirements, and that if you are under an employers policy and employment is terminated for any reason, you will immediately obtain other insurance and provide proof to the BCAK.

Public & Private Practice (Sectors)

Submit both forms of insurance documentation, along with one Insurance Declaration and Waiver form


Review Process

Once received the documentation will be reviewed by the BCAK and you will be advised of acceptability. If your request for approval is accepted, you will be informed by email that you may purchase your membership or renewal. If your request for approval is declined, you will be informed of which requirements are not met or cannot be verified based on the documentation submitted.

What do I do next? - If your request is declined, you must either, repeat the entire process and present proof of coverage which meets all the requirements, or email the office and advise them you wish to purchase coverage through the group provider and they will provide directions on how to proceed.

Note: You will not be able to complete your membership purchase/renew until the BCAK confirms with you in writing that the coverage provided meets the requirements or you have purchased insurance through the group provider. For additional details please email the BCAK office. office@bcak.bc.ca.

CKA/BCAK Member Group Insurance Coverage

The CKA/BCAK group insurance policy makes available coverage levels between $2,000,000 and $5,000,000 for both Professional Liability (PL) and Commercial General Liability (CGL) insurance. You can mix and match the coverage levels to meet your professional needs. The minimum coverage limit(s) required by the BCAK for PL and CGL coverage are $2,000,000. If you require coverage levels above what is available here please contact the broker (Prolink) directly or an insurance broker of your choice. Please also refer to: Prolink's CKA/BCAK Member Group Insurance Page for additional details.

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) you will be subject to a $15 policy amendment fee charged to you by the broker each time you request a change. Please take this into consideration when making your initial 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), or adding additional insured's. Note: There is no additional charge to add additional insured's at the time of policy purchase, however mid term additions will be subject to the $15 policy amendment fee.

Considerations when Determining Insurance Coverage Limits and Extensions

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.

Clinical Work

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.

Retirement

For information on insurance coverage (and its importance) after retirement see - Business Resources - Retirement, Career Change & Insurance

Insurance Application/Renewal & Risk Management Assessment

Kinesiologists should complete 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 insurance for the first time or renewing your insurance with the CKA/BCAK Group Member Program.

A) Determining PL 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 $5M for PL and $5M 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 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(IFC), 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 $5M of PL and CGL coverage when providing higher risk professional services and ensure they have extended reporting period coverage when they 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 by e-commerce? If you do, you will need to estimate what percentage of revenue will come from US based clientele. If you generate US based revenue be sure to 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 broker to determine if the policy coverage meets your needs.

B) Annual Gross Revenue/Income

Insurance application/renewal forms require you to provide an estimate of your annual gross business revenue/income from kinesiology services as a means of determining the volume of work you perform and the associated risk of a claim. This is a standard practice in the insurance industry. If this is your first year purchasing insurance and you new to the industry, the gross revenue/income will typically be somewhere between $40,000 and $80,000 per year, however members who run their own business and/or have employees or use contractors/sub-contractors will typically have higher gross revenues and this may be relevant to your insurance rate/premium if these amounts are substantial and/or you insure your company business operations under along with your personal PL and CGL coverage on the same policy.  A low estimate should not impact your premium or eligibility for the liability insurance and/or claims coverage unless it is an intentional attempt to defraud the insurer of the appropriate risk premium. If you become aware during the policy term that your income will greatly exceed what you initially indicated to the broker/insurer, you must contact them to provide updated information at your earliest opportunity.

C) Business Contents

Do you own business equipment, machinery or tools 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.

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 the answer is yes and you have an incorporated business, are insured under the group policy with Trisura, you can insure staff or service providers provided you list the gross revenue for the incorporated business and not simply your personal income draw from the business. Be sure to include the name of the incorporated entity on the policy to properly cover employees who are under your direction and control. Limitation: 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 and you operate under any other business model, then coverage is not available through Trisura under the group program and employees or independent contractors cannot be covered.

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 services providers.
  • Any “service providers” who are independent contractors must purchase and carry their own E&O 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.

Cookies are used to analyze traffic to this site and improve your on-site experience. By continuing, you consent to the use of cookies. Read more