subject: Get covered for kinesiology [print this page] Get covered for kinesiology Get covered for kinesiology
The focus of kinesiology, in general, is to help people move and function in the best possible way for optimal health and wellness. Therefore, it seems odd to ever think a kinesiologist would need to worry about having the protective coverage of liability insurance. However, upon a closer look, it is easy to see why kinesiologists join the ranks of nearly every other kind of business that provides services, in person, to members of the public.
The first and most basic reason a kinesiologist might enroll in a kinesiologist liability insurance program is because, in many places, it is required before one can begin practicing. Beyond the widespread legal necessity of kinesiologist liability insurance, there are quite a few key reasons to possess this kind of coverage.
For starters, there is the crucial "trip and fall" component of liability insurance, which will cover a kinesiologist in case a client or another person happens to have an accident while on the property of the kinesiology practice. This could be anything from a trip on the curb in the parking lot to a slip on the floor of the practice space.
Of course, most clients will simply shake off such an accident, but if it results in a serious injury, such as a broken wrist or ankle, there is a chance that client might sue for damages. These are the rare but entirely possible scenarios which the general liability portion of kinesiologist liability insurance is made to cover.
When you think about it, kinesiologists are focused on working to help people who have issues with proper movement, so the chances of one of these slips, trips or falls seems to rise within this client population. Therefore, possessing kinesiologist liability insurance seems worth it for the general liability coverage alone.
For an annual fee that is less than $200, kinesiologists should be able to secure a solid, professional kinesiologist liability insurance policy. Typically, that fee should be tax deductible as well. In comparison to the worry and risk associated with practicing kinesiology without liability insurance in place, it seems quite cost efficient to sign up for such a program right away.
Other protective services that usually come with kinesiologist liability insurance include malpractice liability insurance and product liability insurance. These two components of coverage are there to protect a kinesiologist in case one of his or her clients claims damage or injury due to lack of competence or skill or due to a product used during the kinesiology session.
Remember, even if a client is wrong in assuming the damage or injury, if any, occurred due to what happened during your kinesiology session, you will still need malpractice liability insurance or product liability insurance to provide protection throughout the legal process, in order to prove the claims are unfounded.
If you find the right kinesiologist liability insurance, you may be able to secure reimbursement coverage for lost or stolen equipment, protection in case the space you rent for practice incurs accidental damage, and even identity protection coverage.
Do your homework, and make the best choice for your kinesiologist liability insurance. You will be glad to have the coverage.
