Professional Liability Insurance for Kinesiology services

The Professional Liability Insurance (PLI) that you have in place through the CSEP program provides protection for services that are within your scope of practice as a CSEP-CPT or CSEP-CEP. Any Kinesiology services that you provide are not covered unless you also purchase separate Professional Liability Insurance for Kinesiologists.

In Ontario, Registered Kinesiologists must have insurance in place in order to practice. CSEP offers a coverage extension for Registered Kinesiologists that meets and exceeds the professional liability requirements set out by the College of Kinesiologists of Ontario (COKO).

In Québec, CSEP-CPTs and CSEP-CEPs practicing Kinesiology with the Fédération des Kinésiologues du Québec (FKQ) are also eligible to purchase this coverage extension.

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Eligibility

• You must be accredited with your regulatory body, College of Kinesiologists of Ontario or la Fédération des kinésiologues du Québec, ONLY.
• Optional Kinesiology Extension Insurance for CSEP-CPTs: $69
• Optional Kinesiology Extension Insurance for CSEP-CEPs: $73

Professional Liability Limits

• $3,000,000 per claim
• $5,000,000 limit per year
• Automatic five-year extended reporting period ("tail coverage") for members who have ceased practice.

To purchase this option, please select Professional Liability Insurance for Kinesiology Services above for the desired membership year, and then click the "Add to cart" button.

Professional Liability Insurance for your Business

Provides coverage should your business be named in a professional liability claim. If you have other professionals working for, or on behalf of, your business and billing under your business name or if you have an incorporated business, your CSEP Professional Liability coverage can be extended to include your business name (legal entity).

Coverage limit is shared with your primary Professional Liability Insurance (PLI) policy and is subject to the following additional cost:

• 1-5 Professional Staff: $110
• 6-10 Professional Staff: $250

Note: All professional employees must carry their own individual professional liability insurance. As a business owner, you have additional exposures and other insurance products are recommended. Please click the "Additional Insurance Options" tab to learn more.

To purchase this option, please select Professional Liability Insurance for your business above for the desired membership year, and then click the "Add to cart" button.

Adding an "Additional Insured" to your CGL policy

If you lease or rent space from a business to conduct your work, or if you contract your professional services to a business (for example, a fitness centre, community centre, or other), you may be asked by that facility to add their business name and address to your Individual Commercial General Liability (CGL) policy as an “Additional Insured”.

Adding an Additional Insured to your CGL policy provides limited liability insurance coverage to the third party Additional Insured (e.g.: landlord) but only as it relates to General Liability resulting from your operations / occupancy. Note that any Additional Insured is required to carry their own CGL insurance.

The CGL policy is for individuals only. If you operate a business and have other professionals delivering services for or on behalf of your business name, an individual CGL policy is not sufficient. Please contact our broker, BMS, at 1-844-517-1371 or [email protected], to discuss your business insurance needs.

Please contact BMS Canada Risk Services at if you have any questions.

• Additional Insured (up to 15 business names)
  

To purchase this option, please select "Additional Insured" above for the desired membership year, and then click the "Add to cart" button.

More Insurance Options

Insurance for Small Gym Owners

If you deliver other professional services and/or operate a business and have other professionals delivering services for or on behalf of your business name, additional insurance is recommended. Please contact our broker, BMS, at 1-844-517-1371 or [email protected], to discuss your business insurance needs. More information: ()

Cyber Security & Privacy Liability

An ever-increasing number of professionals are utilizing technology to communicate with clients and deliver their services. One of the consequences of tele-practice is an increase in cyber insurance claims, including those related to ransomware, social engineering, and other cyberattacks. BMS recommends that professionals who are responsible for maintaining and safeguarding confidential information consider purchasing Cyber Security and Privacy Liability insurance to address their increased risk and exposure. More information (, )

Employment Practices Liability

Do you employ administrative and/or professional staff? Does your Business engage independent contractors, volunteers, or students? This insurance is designed for business owners to protect against allegations of employment practice violation, including wrongful termination, discrimination, workplace harassment, and others. More information (, )

Business Commercial General Liability

Business Commercial General Liability insurance (CGL) protects businesses from financial loss should you be sued due to bodily injury or property damage caused by your services or business operations. Business CGL is recommended for members who have professionals working for or delivering services on behalf of their business but do not have contents.

• Please contact BMS at or  for additional information or to purchase coverage.