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Having a plan is essential to nearly any large project, and certainly a plan is key to running a successful massage Therapy or bodywork practice. A minority of touch therapists may believe, at least at the start of their careers, that in a field that focuses on relaxation and healing, creating detailed business plans is less necessary. However, nearly any successful massage therapist or body worker will likely report that careful planning helped lay the foundation of his or her thriving practice.

Massage Insurance, Massage Liability Insurance, Massage Therapist Insurance, Massage therapist insurance, holistic insurance

Of course, what your plan will look like depends heavily on the type of bodywork practice you are about to open or are currently running. Whether you work alone or employ other practitioners plays a major role in this planning process. Either way, though, it’s important to think about your business from every angle.

For starters, it is incredibly important to enroll in a solid massage therapy liability insurance program. This is the “safety net” needed in almost every business venture, and even more so by those businesses that deal with the public on a daily basis. There is no doubt massage therapists and bodyworkers are dealing with the public, and they’re doing so in a hands-on, one-on-one, intimate setting. Therefore, massage therapy liability insurance is quite key to the overall security of your practice.

Liability insurance should offer a number of benefits to you and your practice. For starters, it should protect you against the possibility of a client claiming malpractice, which is damage or injury due to incompetence or lack of skills.

A massage therapy liability insurance policy also should offer general liability protection, which means coverage in case a client is accidentally injured on your property, during a trip, slip, fall or other such accident.

The umbrella of a strong liability insurance policy will include other big benefits as well, such as product liability insurance, which is there in case a client claims damage or injury from a product used in your practice, such as a certain massage lubricant or bodywork tool.

Look for a massage therapy liability insurance policy that offers all of the above, along with protection for any damages to the space in which you work and coverage for lost or stolen equipment.

As you can see, taking the time to enroll in a reputable massage therapy liability insurance program is central to planning your bodywork business, for this will prepare you for almost any adverse circumstances.

However, on top of securing this “safety net” for your business, it also is important to be well-prepared, in order to avoid any of these adverse circumstances in the first place. Sit down and write a handbook for your practice, even if you are the only one working there.

Taking the time to write out the rules and boundaries of your business is a great way to affirm these aspects and to ensure others know guidelines before they begin working with you or for you.

Such a handbook should cover topics including ethics, billing and payment standards, cleaning policies, acceptable conduct and so on.

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The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection Plan Association, Inc. The Equipment master policy is issued to Protection Plan Association, Inc. on behalf of its members.
The ID Fraud master policy is issued to Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc.
Protection Plan, Inc. d/b/a Massage Magazine Insurance Plus is the insurance partner for Massage Magazine and Protection Plan Association, Inc. members. Annette Ayers and Debra Aragon are licensed agents.
William Gallagher Associates Insurance Brokers, Inc., Boston, MA, a 50-state licensed broker, is the broker for all coverage under the Massage Magazine Insurance Plus program.
Coverage under the Massage Magazine Insurance Plus program is underwritten by certain underwriters at Lloyd’s of London, rated “A+” by Standard & Poors and Fitch Ratings and “A” by A.M. Best.

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