subject: Insurance offers broad safety net [print this page] Insurance offers broad safety net
There is no way to account for all the possibilities in almost any aspect of life. This is especially true if your daily business involves any external variables, such as dealing with members of the public, traveling or working with specific products. Obviously, this defines nearly every business endeavor, which is why liability insurance is a basic aspect of good business. When it comes to the practice of massage therapy and bodywork, this reality does not change. Even though the goal of the majority of touch therapists is to offer healing and relaxation, there are still clear reasons for purchasing professional liability insurance. After all, massage therapists and bodyworkers spend most of their working days with members of the publicclientsin the intimate, one-on-one setting of the session room. Not only are practitioners of professional touch dealing with members of the public day in and day out, but these dealings are especially close, with the application of hands-on techniques and often products as well, such as massage lubricants, essential oils, hot and cold rocks, pads or pillows and so on. It is easy to see there are many variables that go into the business of massage therapy and bodywork, and thus many reasons to purchase a strong professional liability policy. The good news is that a high quality massage liability insurance plan does not have to break the bank. There are solid programs out there that can cost less than a couple hundred dollars per year. For that fairly small chunk of change, touch therapists earn the peace of mind that come with knowing there is a safety net in the case of any accident or other unexpected scenario. Many times, signing up for professional liability insurance goes beyond peace of mind for massage therapists and bodyworkers. In some places, possessing your own liability insurance is actually required in order to practice as a massage therapist or bodyworker. Most of the major massage franchises, for example, require that their hands-on staff members have a professional liability policy in place. The facts add up to reveal that securing professional massage liability insurance makes good sense for nearly any practitioner of healthy touch. The protection you gain when you enroll in such a policy is quite broad indeed. The benefits that compose a high quality professional liability insurance plan can range from malpractice liability insurance and general liability insurance to product liability insurance and even reimbursement for lost or stolen work items. That means you are covered in case a client files a claim against you, stating that a lack of skill or competence in the session room caused him or her damage or injurythis is when the malpractice component of your plan would come into play. It also means you are covered in case a person slips and falls on your property, then files suit for damage or injury due to the accident. In such a situation, you would likely be glad to have general liability insurance in place. These are only two examples of the myriad possibilities that could come up, which is why you need professional liability insurance on your side.
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