Kinesiology Insurance For Just $0.49/Day
Kinesiologists need to protect themselves from liability in case of unfortunate incidents. NACAMS has kinesiology insurance for professional and general liability protection, providing essential coverage at an affordable cost.
24/7 Portable Coverage Including Telehealth
Occurrence-form coverage, Industry Preferred
Safe and secure online checkout In Minutes
500+ modalities covered including physical therapy, Pilates, and Personal Training
How Much Does Kinesiology Liability Insurance Cost?
NACAMS kinesiologist insurance coverage offers comprehensive, cost-effective coverage, so you can focus on treating your patients. Our upfront pricing model allows kinesiologists to decide what coverage level is best for them.
Full Time
1 Year
$179
Full Time
2 Year (saves you $29!)
$329
Student
1 Year
$60
Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first certification program. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their program, and that policy is good for the next 364 days, even if you are providing services full-time!
What Is Kinesiology?
Kinesiology studies the movement of the human body during exercise, movement and daily living activities. Kinesiologists use biofeedback to study muscle response to improve athletic performance, prevent injuries, develop care plans for people with disabilities and more. Since kinesiology covers a wide range of motion, nearly anyone can benefit from this field of study.
Why Do Kinesiologists Need Insurance?
Kinesiologists need insurance to protect themselves while conducting their work. If an injury, property damage or other incident occurs, this insurance will cover the legal defense and settlement costs.
NACAMS offers protection for kinesiology and over 500 other fitness and wellness modalities. We understand numerous accidents can happen during treatment, but you can be confident you'll be covered with our thorough insurance protection.
Potential liability risks kinesiologist insurance can shield you from include:
Kinesiologists may inadvertently contribute to a client’s injury or harm during a session. Such incidents could be considered malpractice, leaving the kinesiologist legally liable. Professional liability insurance offers protection by covering legal expenses and potential settlements in these situations.
In many practice environments, there’s a risk of clients slipping, tripping, or falling, potentially resulting in injuries. Kinesiologist liability insurance includes general liability coverage to protect you if a client is injured during their session. For instance, if a client trips over equipment and sprains their wrist. Even if you weren’t directly involved, the client was under your care, which could leave you vulnerable to a lawsuit.
Liability insurance can help protect kinesiologists if a client experiences adverse effects from a product used in their practice, such as cleaning supplies or equipment. With professional and general liability insurance, coverage can extend to medical costs if a client files a lawsuit due to incidents like an allergic reaction, ensuring financial protection and peace of mind.
In today's digital era, protecting personal information is crucial. Kinesiologist liability insurance includes coverage for identity protection, shielding you from the repercussions of identity theft. If your personal information is compromised, resulting in fraudulent activities or financial loss, this coverage provides financial assistance and support to help restore your identity and minimize the associated damages
Kinesiologists often share their practices and expertise through various platforms, including online channels. If a kinesiologist’s statements regarding their methods, training, or services are interpreted as libelous or slanderous by a client, peer, or colleague, liability insurance serves as a safeguard, offering protection against potential legal claims and associated risks.
What Does A NACAMS Policy Include?
NACAMS kinesiology insurance offers vast coverage under one policy for comprehensive liability coverage for your financial assets, whether you choose a professional or student plan. With 25 years of trust in the fitness and wellness industry, NACAMS customers are the best-protected Kinesiology insurance in the industry.
Included Member Benefits
But wait, there's more! With NACAMS, you get access to exclusive member benefits that will make your journey even more rewarding.
Portable Coverage
Plus, our student insurance covers you not only during your school activities but also during in-clinic and outreach programs. It's like having a safety net supporting you every step of the way.
Immediate Annual Policy
In under 5 minutes, purchase a policy at $179 once per year to protect your financial and personal assets.
Get Insured in Under 5 Minutes!
What Is The Difference Between Claims Made And Occurrence Form Coverage ?
Understanding occurrence and claims made coverage can significantly impact how and when you're able to report a claim on your liability insurance. Understanding the nuances of each type can help you make an informed decision about which is right for you.
What is Claims Made Coverage?
Claims made coverage allows you to report claims only while your policy is active. This means if an incident occurs within the policy period, you must also report the claim while the policy is in force. For example, if you let your policy lapse and months later face a lawsuit for an event during the coverage period, the policy won't cover you unless you’ve purchased an Extended Reporting Endorsement, commonly referred to as "Tail Coverage." This endorsement allows you to file claims even after the policy has expired, offering some additional protection.
What is Occurrence Coverage?
Occurrence form coverage provides a broader scope of protection. It covers any incidents that happen during the policy period, regardless of when the claim is filed. This means you're protected for incidents that arise while the policy is active, even if they are reported years later. Essentially, it includes built-in tail coverage, offering peace of mind without the need for an extra purchase.
Key Considerations for Choosing Coverage:
- Claims Reporting: Consider how likely it is for claims to be reported after the policy period ends. If your profession is prone to delayed claims, occurrence coverage might be more suitable.
- Policy Costs: Typically, claims made coverage starts cheaper but can grow more expensive over time, especially with tail coverage. Occurrence policies often have a consistent premium, reflecting their extended protection.
- Long-term Needs: If you anticipate business changes, like retiring or switching professions, occurrence policies might provide more long-term security without needing to manage additional endorsements.
NACAMS liability insurance policy is occurrence form, the industry's top choice for long term peace of mind.
Over 500+ Services Included
Days in the office are everchanging and include more modalities than ones commonly used as examples describing occupational therapy. NACAMS covers over 500 modalities under one policy, making out liability insurance the most comprehensive & affordable on the market. If you've learned a new skill, there's no need to get a new policy because it’s likely already covered. In fact, we encourage our members to broaden their horizons and take on new skills and endeavors.
Purchase Kinesiology Insurance Coverage From NACAMS Today
NACAMS is the industry's trusted provider of kinesiology insurance for general liability and protection for other incidents. Kinesiologists and other wellness professionals trust us, which is why we have an excellent rating on the independent review site Trustpilot. Our comprehensive coverage is available at a low monthly price. Buy a policy.
Frequently Asked Questions
During your coursework, incidents can happen that make you liable. Protect yourself from financial risk with our student plans, which offer the same coverage as our professional policies at a lower rate.
The exact cost of your kinesiologist insurance plan depends on whether you choose our student or pro policies. The student plan covers one year, and we have plans for full-time kinesiologists that cover one or two years.