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Why is specialized insurance essential for kinesiology companies?
Companies run by kinesiologists are exposed to particular risks: advice on movement, physical supervision, potential injuries, etc. Adapted insurance, offered by brokers, protects you against legal, physical and professional unforeseen events, while enhancing the value of your practice.
Reasons to opt for specialized kinesiology insurance
- Professional liability in the event of injury or bad advice
- Rental of premises, use of equipment or interventions at home
- Health, training or rehabilitation recommendations
- Supervision of vulnerable clienteles or those with special needs
- Risks related to loss of income or specialized equipment
Recommended guarantees for a kinesiology company
| Guarantee | Description |
|---|---|
| Professional Liability | Protects against lawsuits related to errors, omissions, or advice |
| General Liability | Covers accidents occurring on your premises or at a customer’s premises |
| Equipment insurance | Covers weight machines, assessment tools, etc. |
| Business interruption | Compensation if you have to stop your activities temporarily |
| Cyber risks | Protects your customer data and electronic records from theft or hacking |
Why use an insurance comparison tool for kinesiologists?
- Save time with multiple submissions in a single form
- Adapt coverage to your professional reality (self-employed, clinical, online, etc.)
- Get competitive rates by comparing specialized insurers
- Avoid incomplete or inadequate coverage
- Benefit from the expertise of brokers from our partner firms in the health sector
Which insurers cover kinesiology companies in Quebec?
| Insurer | Adaptation to the health/kinesiology sector | Assessment (★) |
|---|---|---|
| Intact Insurance | Good for individual professional services | ★★★★☆ |
| Aviva insurance | Excellent professional liability and equipment coverage | ★★★★★ |
| The Unique | Flexible for small and growing businesses | ★★★☆☆ |
| Promutuel | Affordable Pricing for SMBs of Wellness | ★★★★☆ |
| March | Recognized for healthcare professionals | ★★★★★ |
Dois-je avoir une assurance même si je travaille à domicile ou à distance?
Yes, because you are always exposed to professional and legal risks , even virtually.
Est-ce que l’assurance couvre les séances à domicile ou en entreprise cliente?
Yes, with the right coverage, your out-of-clinic procedures can be fully insured.
Quelle est la différence entre responsabilité civile et professionnelle?
Civil liability covers physical accidents, while professional liability protects against errors related to your advice or treatments.
What are the main coverages of a kinesiologist insurance?
What exclusions should I check before signing?
Can I bundle my kinesiologist insurance with my home or auto insurance?
How does professional civil liability work?
How long does it take to get a kinesiologist quote through Assur360?
Kinesiologist in Quebec: Legal Framework and Insurance Obligations
In Quebec, the practice of kinesiology is regulated by the Fédération des kinésiologues du Québec (FKQ) and by the provisions of Bill 90 amending the Professional Code in the health sector. Although kinesiology is not yet a professional order in the strict sense, FKQ certified kinesiologists are held to high standards of practice that directly involve their civil and professional liability.
Contrary to popular belief, there is no Quebec law that formally requires an independent kinesiologist to hold professional liability insurance. However, the FKQ strongly recommends that its members cover themselves, and many employers, clinics or health facilities require proof of insurance before hiring or contracting out a kinesiologist.
Who should insure in kinesiology?
- Self-employed kinesiologist : no employer coverage, full personal liability in the event of a lawsuit
- Kinesiologist in private practice : must protect his premises, equipment and his responsibility to clients
- Kinesiologist at home : increased exposure to risks during interventions at clients’ homes
- Telepractice Kinesiologist : Risks Related to Personal Health Data and Remote Advice
- Salaried kinesiologist : generally covered by the employer, but additional personal insurance is still recommended
As damage insurance brokers certified by the AMF (Autorité des marchés financiers) and subject to the Distribution Act, Assur360’s advisors are mandated to guide you towards the solution best suited to your professional reality, in complete impartiality.
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