Kinesiology insurance is a worthwhile expense

From helping athletes reach top form to showing the desk worker how to prevent chronic neck and upper back pain, kinesiologists can vary widely in their day to day work. No matter whether you are helping clients rehabilitate from injury or promoting the health and wellness of a company’s whole roster of employees, you need to consider the necessity of kinesiologist liability insurance.

Even though the aim of the professional kinesiologist is healing and restoring full and optimal function to each client, that does not mean that the professional kinesiologist has no need for kinesiology insurance. Think of it this way—doctors also aim to help and heal their patients, but most practicing physicians would probably rather have the liability insurance than face the potential, practice-busting legal claim. The reason people who work in all sorts of fields purchase liability insurance is because such a policy can provide a financial safety net for future issues that may arise if a client suffers some kind of injury associated in any way with you and your work. With kinesiologist liability insurance, you would have coverage in case anything like this ever occurred within your own practice.

There are many examples of the types of legal claims the clients of a professional kinesiologist might file at some unknown point in the future. Of course, the possibility of this happening may be quite rare, but it only takes one legal claim from a client to drain the assets of a successful kinesiologist who does not possess kinesiologist liability insurance. Fortunately, because the rate of legal claims against professional kinesiologists is not nearly as high as the rate of claims for other more risky or invasive professions, the cost of solid kinesiology liability insurance is quite low, especially considering the broad and thorough safety net that such a policy can provide.

Your kinesiology liability insurance should, first and foremost, offer strong general liability coverage, to protect you from any such claims. A kinesiologist liability insurance policy also should provide malpractice or professional liability insurance, in order to handle any potential lawsuit from a client who believes he or she suffered some kind of damage or injury due to a lack of skill or competence on your part as the professional kinesiologist.