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It’s All Fun and Games until Someone Gets Sued

April 01 2017

Your Mom used to warn you to be careful when playing around. Life was simpler in Canada a few years ago when people would take responsibility for the risks they assume when participating in activities. Fast forward to 2017 and Canada is much more litigious. Canadians used to poke fun at our American cousins as it seemed like suing was a national pastime in the US. Personal injury lawyers are aggressive. They will cast a wide net to catch anyone remotely involved in a situation where someone is injured.

Your Mom used to warn you to be careful when playing around. Life was simpler in Canada a few years ago when people would take responsibility for the risks they assume when participating in activities. Fast forward to 2017 and Canada is much more litigious. Canadians used to poke fun at our American cousins as it seemed like suing was a national pastime in the US. Personal injury lawyers are aggressive. They will cast a wide net to catch anyone remotely involved in a situation where someone is injured.

Defending Lawsuits is Expensive
If you are named in a statement of claim then you are required to respond and issue a statement of defence. The average hourly cost for a lawyer in Canada is $362. You can be certain that the cost is higher in major urban centres when retaining a lawyer experienced in defending liability lawsuits. Hiring a lawyer to issue a statement of defence on your behalf to simply have you removed from the lawsuit is likely a minimum of $10,000.

CKA’s Personal Professional Liability Provides Low Cost Protection
For only $5 per month you receive a $2,000,000 Professional Liability policy customized to protect a Kinesiologist. This policy covers your legal costs incurred and the damages awarded to a third party who sues you. The insurer even provides advice if you lose patient information.

Why Adding Commercial General Liability Insurance is Critical
If you own, lease or rent space then it is critical to purchase Commercial General Liability (“CGL”) insurance. However, if you sub-contract your services for a fee and utilize the premises from those hiring you (i.e., clinics, fitness gyms/studios) then you also need CGL. Bodily injury lawsuits that do NOT result from your professional advice (i.e., equipment failure or falling due to wet conditions) are covered under the CGL policy, NOT the Professional Liability policy. For only $37 per year you can obtain $2,000,000 of CGL coverage. Adding CGL to your risk protection plan is simple with the CKA. Just check the box when buying or renewing your Professional Liability policy.

How to Renew Coverage for 2018?
Starting on November 1, 2017, CKA members will be able to LOGIN to their profile at PROLINK.insure/CKA to renew their policies for Jan. 1, 2018.

To Learn More Visit: PROLINK.insure/cka

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