CANADIAN KINESIOLOGY ALLIANCE and ITS PROVINCIAL MEMBER ASSOCIATIONS

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1 CANADIAN KINESIOLOGY ALLIANCE and ITS PROVINCIAL MEMBER ASSOCIATIONS 2013 to 2014 Renewal Proposal Presented by: Joseph V McCabe, FCIP Chief Executive Officer LMS PROLINK Ltd. 480 University Avenue, Suite 800

2 Toronto, ON M5G 1V2 Errors & Omissions Client Name: Program Name: Policy Form: Policy Type: Retroactive Date: Canadian Kinesiology Alliance and its Provincial Member Associations Errors & Omissions Liability Insurance AS35E-SRD-09-CAN Claims-made and presented Not applicable Policy Period: January 1, 2013 to January 1, 2014 Per Claim Aggregate Limit Limit Deductible Premium $2,000,000 $2,000,000 $0 $79 $3,000,000 $3,000,000 $0 $96 $5,000,000 $5,000,000 $0 $ 147 Subject to the following Endorsements: 1. Insured Services: duties as a kinesiologist and customary to that practice. 2. Definition of Insured Services amended this year: - Includes kinesiology students/interns under direct supervision - * former certificate holders ceasing to practice (prior acts) - *former certificate holder who replace their E&O with an occurrence based E&O (prior acts)

3 - Legal heirs or trustees - a personal corporation (one professional only) owned by a member of the Named Insured but solely with respect to INSURED SERVICES rendered by that member. - Partnership or corporation to whom a certificate of insurance has been issued, employing members of the Named Insured, but only for Claims resulting from an error, omission or negligent act in the rendering of insured services by the member - Members of the Canadian Kinesiology Alliance and its Provincial Member Association on parental leave to a maximum period of one year. - 5 year extended reporting period from the date the Named Insured s policy was lapsed or cancelled only for the former certificate holders. 3. Defence and Other Payments (as expiry) 4. Penal Defence Reimbursement ($100,000) 5. Insured vs Insured (as expiry) 6. Absolute Abuse and Sexual Misconduct Exclusion 7. Therapy and Counselling of a sexually abused patient of the Insured ($10,000 per Insured: $100,000 per policy period) 8. Disciplinary Action Legal Expenses Coverage ($150,000) 9. Security and Privacy Liability ($50,000) 10. Sexual Abuse defence costs reimbursement only, in a civil matter and only if the insured is found not liable ($50,000) 11. Moonlighting clause Other Activities exclusion is amended: This exclusion will not apply to DAMAGES resulting from the following services that the INSURED rendered individually for their own benefit, outside the scope of their main employment or business as a kinesiologist, providing they are fully qualified to provide such services, when the fees charged for these services are less than $5,000 per project and less than $25,000 for all such projects during the course of a given year; - Sports therapy, massage therapy, physiotherapy, homeopathy, osteopathy and psychotherapy. Notes: The territorial limits of this insurance policy apply to claims which give rise to suits or judicial proceedings first brought against the insured within Canada.

4 Commercial General Liability Client Name: Program Name: Policy Form: Policy Type: Canadian Kinesiology Alliance and Its Provincial Member Associations Commercial General Liability Insurance CGL35E-SRD-05 Occurrence Form Policy Period: January 1, 2013 to January 1, 2014 Each Occurrence Aggregate Limit Limit Deductible Premium $2,000,000 $2,000,000 $0 $ 48 $3,000,000 $3,000,000 $0 $ 69 $5,000,000 $5,000,000 $0 $ 89 Coverage Includes: Coverage A Bodily Injury/ Property Damage Per limits selected Coverage B Personal Injury/ Advertising Injury Per limits selected Coverage C Medical Payments per person $5,000 Limit Medical Payments per accident $25,000 Limit Coverage D Tenants Legal Liability $500,000 Limit

5 Subject to the following Endorsements: Notes: 1. Non-owned Automobile Policy S.P.F. No 6 ($1,000,000) 2. Excludes Long Term Leased vehicles S.E.F. No Additional insured: All governments and/or municipalities in the Province of British Columbia. 4. Absolute abuse and sexual misconduct exclusion The territorial limits of this insurance policy apply to claims which give rise to suits or judicial proceedings first brought against the insured within Canada or the United States. Coverage is not available on a monocline basis.