You can obtain PLI from any source, including your employer, a professional association, or directly from an insurance company so long as it meets the College’s requirements noted above.

When looking for PLI, you should consider the following:

• Does the policy cover your full scope of practice as a registered kinesiologist?
• Are there any policy exclusions that may put you at risk in the event of a claim?
• If you are ensured by your employer, does the policy cover you for claims made outside of your job (e.g. work as a volunteer, advice you may give outside of your practice setting)?
• Is the policy transportable and in effect regardless of where you practice as a registered kinesiologist in Ontario?
• Does your plan cover reimbursement of legal or criminal defense expenses?
• Will your plan provide for the cost of legal representation in the event you are subpoenaed to appear as a witness?
• What type of coverage does your policy provide (e.g. malpractice, errors and omissions, legal expenses)?
• What is the liability aggregate limit?
• Do you have an “occurrence” type of policy (covers claims that occur after the policy has lapsed) or “claims-made” policy (only covers you for claims made during the term of the policy)? If you have a “claims made” policy (which is the most common form of liability insurance today), you should ensure that you have enduring (tail) coverage to protect against any liabilities or claims made against you during the period you were ensured.
• What are the “exclusions” under the policy? Such exclusions should be standard provisions that do not materially detract from comprehensive professional liability.