Make Your Insurance Checklist
The need for massage therapy liability insurance is a real one
, even if some new practitioners of massage therapy and bodywork find it hard to believe this healing profession requires such a safety net. The truth is, nearly every business, and especially those that deal with the public in physical capacity, needs some kind of insurance policy.This fact is further emphasized when you realize that many of the massage and bodywork industrys state governing boards, professional membership organizations and hugely successful franchises require touch therapists to secure massage therapy liability insurance.
As you set out to find the right coverage and protection for you and your practice, it may be a good idea to get out a pen and a piece of paper in order to create a list of all the features you want and need in a liability insurance program. This way, you can compare the features that different policies offer, as well as their various prices.
The main components you should be looking for in a high quality massage therapy liability insurance policy are protection from possible incidents, accidents and client claims. For starters, make sure the program you sign up for offers what is called professional liability insurance, which is also known as malpractice insurance.
Malpractice insurance will protect you from a scenario where a client claims injury or damage due to a lack of competence or skill on your part. Although it may be incredibly difficult to imagine any one of your clients making such a claim, it can be hard to predict, especially when it comes to each new client who enters your session space. The peace of mind that comes with professional liability insurance means you never have to worry about it.
Another vital component of any massage therapy insurance policy you select should be general liability insurance, which is sometimes dubbed trip and fall insurance. As the name implies, this part of your policy will protect you in case a client has an accident on your property, such as slipping on ice or a slick floor or tripping over a pile of linens.
Of course, even with general liability insurance, most professional practitioners understand the importance of keeping their property safe and clean for clients. However, this type of insurance is there to cover you for those cases when the situation may simply be out of your control. For example, you may not even realize your sidewalk is icy until your client takes a spill.
Other important ingredients for a solid massage therapy liability insurance policy include product liability insurance, rental damage insurance and lost or stolen equipment insurance. In this day and age, you may even be able to find a policy that encompasses insurance for identity theft as well.
Keep these items on your checklist as you go about your search for massage therapy liability insurance. One of the best parts about having this fully covered peace of mind is that, if you do your homework, you should be able to receive all of the above for an annual fee of less than $200 dollars.
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