Few things in life are guaranteed, but for the massage therapist or bodyworker who possesses a massage therapy liability policy, having a greater sense of certainty and security is practically guaranteed. Massage liability insurance serves as a vital buffer between your professional practice and the many unpredictable variables of life.
If you are still a bit confused as to what massage therapy liability insurance actually does, a few concrete examples should help you understand. At the most basic level, massage liability insurance is designed to provide financial coverage in cases where a client or other person might file a legal claim against you and your practice.
The example that may be the easiest to grasp would be a scenario in which someone suffers an accident on the property of your massage therapy or bodywork practice, or inside your studio. Obviously, accidents come in all shapes and sizes, so this might mean a client slipping and twisting her ankle in your hallway, tripping over a crack in the sidewalk and chipping a tooth, or taking a tumble on the way into your session room and banging his head on the corner of a sharp piece of furniture.
These are just a few examples, but it’s important to remember that accidents can span the spectrum from mild to severe. Keep in mind that whether or not the accident was caused by negligence on your part—a loose rug in the hallway, a puddle of massage oil near the entrance of your session room—the person who suffered the injury may still choose to file a legal claim against you for the damage caused by the accident.
In cases such as these, massage therapy liability insurance can provide the financial protection necessary to accommodate any legal processes. In fact, there is a specific component of massage liability insurance geared specifically toward accidents that take place on your property. It’s called general liability insurance, and it’s known commonly as “slip and fall” insurance.
Besides providing a sense of security in terms of financially protecting you and your practice against any legal action in cases where an accident takes place on your property or in your session room, massage therapy liability insurance also provides a buffer against two other kinds of legal claims.
The first type of claim would be that of malpractice, which a client may file if he believes he suffered some kind of damage or injury due to a lack of skill or competence on your part as the massage therapist. The second type of claim occurs when the client suffers some kind of damage or injury due to a product you used during her appointment, such as a hot rocks or a certain massage lubricant.
In cases such as these, a massage therapy liability insurance policy would provide financial protection for you and your practice under the umbrellas of malpractice liability insurance and product liability insurance. Again, it’s important to remember that even if the client’s claims are false, you will still want and need the financial coverage provided by massage liability insurance to see you through the legal process.