Claim of the week 2

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Providing Coverage for: • Massage Therapists • Yoga Instructors • Cosmetologists • Estheticians • Nail Technicians • Animal Massage • Reflexologists • Dance Instructors

A dislocated finger

A massage client thanked his massage therapist for the 90 minutes of neuromuscular therapy with nary a complaint. He asked to use the restroom, and on the way out complained to the therapist about an obvious dislocated middle finger on his right hand. The therapist did not recall the client having any problems with any of his fingers during the massage, but recommended the client see a physician.

The insurance claim filed against the massage therapist and paid by MASSAGE Magazine Insurance Plus’ broker totaled $15,765.

Stanford Erickson

Editorial Director

MASSAGE Magazine

MASSAGE Magazine Insurance Plus includes professional liability insurance (malpractice) general liability insurance (trip and fall), product liability insurance, $2 million per occurrence, $3 million annual aggregate coverage, $2 million property aggregate coverage, $100,000 rental damage coverage, $15,000 identity protection insurance and $1,000 lost/stolen equipment coverage—all for $159 per year. In addition, members receive a free business website, free technique and business newsletter, free directory listing on www.MASSAGEmag.com and instant coverage. Sign up now at www.MASSAGEMagIns.com or call (800) 222-1110. Ask for Debra.

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.