When a professional massage therapist or bodyworker secures a solid massage therapy liability insurance policy, there is usually a sense of security and peace of mind that comes along with having this intangible safety net in place. However, these positive feelings are only a small part of the reason practitioners should be seeking out massage therapy liability insurance.
One big reason many professional massage therapists and bodyworkers purchase massage therapy liability insurance on an annual basis is because they may be required to do so. This requirement for massage liability insurance often comes from a state or regional governing board, but it may also come from one’s employer or professional organization as well.
Obviously, being able to practice legally is an extremely powerful motivator when it comes to securing massage therapy liability insurance. However, even for those professional massage therapists and bodyworkers who may not be legally required to obtain massage therapy liability insurance in order to practice, there are still several big reasons to secure such a policy.
Most of these other reasons can be summed up with this general statement: You never know what is going to happen. In other words, you never know when an accident may take place on the property of your practice or inside your personal session room. Accidents can come in all shapes and sizes, from a trip, slip and fall to a mistake or oversight on your part as the professional practitioner.
When one of these accidents results in harm to a client or another person, you may find yourself facing a legal claim for the damages. This is when it becomes so incredibly important to possess massage therapy liability insurance. For the practitioner who has to face such a claim without the protection of massage therapy liability insurance, this can be a financially devastating event.
As you shop around for a thorough massage liability insurance policy, be sure to look for three key forms of liability coverage: general, malpractice and product. With these three components, your massage therapy liability insurance should be able to protect you against a wide variety of potential client claims.
The general liability coverage is there for those simple slips, trips or falls that may result in an injury, such as a broken wrist, chipped tooth or head wound. When a person files a claim against you because he or she suffered such an injury after slipping, tripping or falling on the property of your practice or inside your session room, it is the general liability component of your massage therapy liability insurance that will kick in to provide the necessary coverage.
The malpractice portion of your policy is designed for a different set or circumstances. This part of massage liability insurance is geared toward providing coverage for cases where a client claims damage or injury due to a lack of skill or competence on your part as the professional practitioner.
The product aspect of massage liability insurance works in much the same way, except that it is specifically designed to provide coverage against claims of damage or injury due to a product used in your practice.
While there are many reasons to purchase massage insurance, perhaps the most important reason is to set your mind at ease, knowing that in the event of the unexpected, your business and your finances are protected.