Coverage Is Key For Home-based Mts
If you work from home as a massage therapist or bodyworker
, you may question the need for professional massage therapy liability insurance. It is important to understand that this kind of protection is just as necessary for those touch therapists who practice at home as it is for massage therapists in clinics, spas and other office settings.When you open a space in your home to massage and bodywork clients, your home becomes a place of business. More than likely, you are taking tax deductions each year on this space, along with any tools of the trade, classes and other purchases necessary for your practice.
Continuing along this line of thought, you can see why having a professional massage liability insurance policy in place is simply another box to check off on the path to a solid, successful practice. Fortunately, payment for this policy also may be written off on your taxes.
This is not to say that professional massage therapy liability insurance has to be pricey. In fact, the annual fee for this type of policy is quite minimal, especially when you consider the level of protection a quality liability insurance program provides.
Often for less than $200 per year, a massage therapist or bodyworker can have the peace of mind that comes with a high quality liability insurance policy. For the touch therapist who works from home, this is across the board coverage.
The only area where such a policy may differ from liability insurance for a massage therapist who does not work in his or her home is when it comes to coverage for any damage to a rental space. Obviously, if you are working from home, you are not renting your session room, so this part of the policy may not apply to you.
Beyond that, however, massage therapy liability insurance brings much value to the table for the home-based bodyworker. One of the main areas of protection is against any possible malpractice claims from clients. In other words, in the rare instance a client may claim injury or damage due to a massage or bodywork session, your insurance policy will be there to protect you every step of the way.
Another portion of a strong massage therapy liability insurance policy that is a must-have for massage therapists working from home is the general liability coverage. You can think of this as slip and fall insurance, there to protect you in case a client happens to have an accident on your property.
The segment of massage therapy liability insurance that pertains to products also is highly relevant to all touch practitioners, whether you work from home or an outside office space. This part of your policy should provide protection in case a client claims damage or injury resulting from a product used in your session room, such as hot stones, a certain massage lubricant, or any other such tool.
Many of the best professional massage therapy liability insurance policies also offer reimbursement for lost or stolen work equipment, which means more peace of mind for the massage therapist.
As you can see, even if you work from the comfort of your own home, finding a quality professional massage therapy liability insurance program is just a part of doing business.
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