Practice Risk Solutions

Business Insurance & Additional Services

Do you operate an independent practice? Is your practice incorporated? Do you have employees billing under your business name? CATA members have access to exclusively rated business insurance packages with coverage designed to meet the specific needs of athletic therapists.

Clinic Professional Liability (Legal Entity) Coverage

In the event of a claim, both the treating professional and your business name are likely to be named in a statement of claim or lawsuit. Legal Entity Coverage protects the business and its assets in such circumstances. This coverage is recommended if you have professionals working for, or on behalf of, your business and billing under your business name.

Clinic Package

The CATA program offers a Clinic Business Package, which includes Commercial General Liability Insurance (CGL), Contents, Crime and Business Income.

Commercial General Liability (CGL) protects you against claims arising from injury or property damage that you may cause to another person as a result of your operations and/or premises. For example, a client may slip and fall on a wet floor on your premises or you may accidentally cause property damage during a home visit.

Members who operate a private practice in which they are the sole professional, and also rent or own a space for which they require contents coverage are encouraged to consider purchasing this product. Contents includes items usual to an office, including desks, chairs, filing cabinets and computers, as well as any stock and improvements and betterments.

Crime coverage protects against financial loss due to dishonesty, fraud, or theft of money, securities or other property owned by the office/clinic.

Business Income insures against loss of income resulting from direct physical loss or direct physical damage to the premises by an insured peril (e.g. fire).

Employment Practices Liability

Do you employ administrative and/or professional staff? Does your clinic engage independent contractors, volunteers, or students? EPL coverage protects you and your business against allegations of employment practice violation, including wrongful termination, discrimination, workplace harassment, and other employment related allegations with Employment Practices Liability insurance.

Legal Services Package

Specialized legal assistance for personal and/or business matters.

For $30/year - CATA members now have access to:

  • Unlimited Telephone Legal Assistance
    Unlimited access to a confidential 24/7 toll-free line to speak with a lawyer about any legal issue, both personal and professional. Upon calling, you will be connected with a lawyer who is geographically close to you and who is an expert in the area of law you are calling about.
  • 150+ Legal Documents and templates online, anytime you need them
    Take advantage of an online library of customizable templates and up-to-date legal documents that have been drafted by lawyers. The document library includes employment contracts, partnership agreements, loan agreements, promissory notes, and more.
  • Legal Document Reviews
    Lawyers will review your short legal documents of up to 8 pages (e.g. contracts) or legal letters and can draft simple legal letters on your behalf.

24 Hour Accident Coverage

Provides a lump sum benefit should a loss occur due to an Accident and pays according to a schedule of benefits.

  • PTD
    Lump sum benefit when as the result of accidental injury disablement entirely prevents the Insured Person from attending to all aspects of any business or occupation for which they are practically suited by training, education, industry knowledge or experience and which lasts twelve (12) months and at the end of that period is beyond hope of improvement.
  • Repatriation
    In the event of Accidental Death not less than 50 kilometres from normal place of residence the Insurer will pay the expense incurred for transportation of body to the first resting place up to the sum insured.
  • Rehabilitation
    When Accidental Injury results in a loss payable under AD&D and the injury requires to undergo special training in order to be qualified to engage in a special occupation in which the insured would not have engaged except for such injury, the insurer will pay reasonable and necessary expenses for such training not to exceed the sum insured.
  • Fracture Benefit
    When injury results in any of the listed fractures, dislocations, severances or miscellaneous conditions due to an Accident the insurer will pay up to the sum insured in accordance with the percentages listed.

Coverage Overview

Coverage Limit
Accidental Death and Dismemberment (AD&D) $25,000
Permanent Total Disability (PTD) $25,000
Repatriation $5,000
Rehabilitation $5,000
Fracture Benefit $2,000