Massage Therapy Insurance

If you work at home alone, having massage therapy insurance is simply a very smart move. It is a basic tenet of good business practice to be properly insured, especially working with the public as much as massage therapists do. For massage therapists and bodyworkers, the close one-on-one contact with clients brings new meaning to “working with the public,” and certainly calls for massage therapy insurance.

Typically, the umbrella of coverage will include protection for several different scenarios.

For instance, your massage therapy insurance program should have general malpractice insurance. This portion of an insurance program is geared toward protecting you from any claims from clients of damage or injury due to incompetence or lack of skill. Although it may seem unlikely that one of your clients might make a claim, it is important to carry insurance specifically for those “what-if” scenarios.

Another aspect of a good massage therapy insurance program will be product liability insurance. Much as the name suggests, this coverage aims to protect you against any client claims of damage or injury due to a product you used.

Of course, everyone in business will want general liability insurance coverage as well, because it is impossible to know when or where an accident might take place. This area of coverage protects against situations such as slips, trips or falls, those accidents that might result in client injury and a possible lawsuit.