Massage therapists need massage liability insurance when practicing massage therapy on clients. Like having home or auto insurance it protects you and your business from an unexpected liability. You want to protect yourself from possible damage or theft of your massage equipment and supplies. Massage liability insurance is a necessary thing. Even when you haven’t done anything wrong a claim against you still can be filed. And unfortunately like in all business claims are filed. So having a good policy in place that will protect you will give you that peace of mind if such a claim is filed.
What Type Of Massage Insurance Do I Need
You can obtain massage liability insurance at a fairly low price. Price varies depending on the company and your status. If you are a student still in school you can get a student policy that is much cheaper than a professional therapist policy. Most policies average from $96 to $235 annually and to as low as $25 a year for students. You will want a policy that protects you against client injury, property damage, negligence and sexual misconduct. You could also risk losing any property that you own in the event a client files a lawsuit against you. Adequate insurance will protect you in the unfortunate event a lawsuit is filed against you.
Liability insurance protects you in legal advice, fees and possible lawsuits. The last thing you want is to lose all your finances and career by not having a proper policy in place. You want to be sure your policy covers you against bodily injury, property damage, allergic reactions and alleged sexual misconduct. You can also add other provisions to your policy such as modalities like hot stone or cupping. There are also one year, two year and three year insurance plans available for purchase.
How Much Liability Insurance Do I Need
Massage insurance is not a one size fits all, depending on the size of your business will determine your need. Your average insurance company will offer a $2 million per occurrence/$6 million aggregate for professional liability, general liability, products and personal injury. There are many massage liability insurance carriers where you can obtain a policy. Some are American Massage Therapy Association, American Massage Council and Associated Bodywork & Massage Professionals. Others include Massage Magazine, InsureBodywork and NextInsurance. There are other polices to choose from that are also reputable and able to meet your personal needs. Be sure to read your policy carefully and that you understand the type of policy you have purchased. It’s important to know exactly what is covered in the event you need legal council and attorney representation.
Conclusion:
Bodywork and massage therapy can be a risky occupation due to the amount of physical contact with clients. Massage insurance protects you and your business from possible lawsuits and legal claims. Even though most massage therapists never have a claim filed against them, liability insurance gives you the protection you need in such an unfortunate event. Get the protection you need.
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