As part of the annual renewal process, all kinesiologists registered in the General Class must submit proof of valid professional liability insurance (PLI), regardless of if you provide direct care to patients/clients.
Obtaining the required PLI is essential for your practice, as it protects you and your patients/clients in the event of harm.
PLI requirements are set out in the CKO By-Laws. Your PLI coverage must include the following:
- A minimum amount of $1,000,000 per occurrence;
- A minimum aggregate amount of $3,000,000 per year;
- A deductible of no more than $1,000 per occurrence; and
- Enduring (tail) insurance to provide coverage for at least five years after the termination of practice.
PLI coverage purchased through a commercial liability package must also meet the above requirements. If your base policy does not cover the full scope of practice of kinesiology, you must obtain a kinesiology extension.
Submitting your PLI with Annual Renewal
When submitting proof of your PLI coverage with your renewal, please ensure the document has the following:
- Your name;
- The name of the professional liability insurance provider;
- Current policy dates and details; and
- Confirmation that the policy is for kinesiologist/kinesiology-related services.
Submitting an expired PLI certificate, a copy of an association card, or a receipt of purchase is not sufficient evidence of PLI coverage.
Every year after renewal, CKO randomly audits kinesiologists’ PLI to ensure they comply with the requirements. Kinesiologists who fail to provide the required PLI coverage may face possible suspension of their Certificate of Registration. CKO may also investigate kinesiologists for not holding the required insurance coverage.
Visit PLI FAQs page to learn more about PLI.