Massage Insurance - A necessity

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Massage insurance, why does a professional massage therapist need it? Well many states require it for you to practice your profession*. But even more important, we in the United States live in a litigious society. Suing is a way of life today.

Clients have filed claims for bruised ribs, backs, necks, hamstrings and even toes. Claims also have been filed and payments received from insurance companies for clients who proved to be allergic to lotions, lubricants, creams and analgesics. In one of the cases where a payment was made, the massage therapist had not obtained in writing that the client had a history of being highly allergic to certain creams.

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Liability insurance is an inexpensive operating expense that can be deducted from your state and federal taxes. Inexpensive because it usually costs less than $200 a year and protects you from a potential law suit that could put you out of business.

Would you forgo automobile insurance—even if it were legal to do so--because you believe you will never get into an accident? Nor is it wise to forgo liability insurance if you are a practicing massage therapist or bodyworker, simply because you believe no client will ever make a claim of damage or injury, and nothing bad will ever happen to your property or equipment.

With a high quality massage insurance policy, you will get a full umbrella of coverage and protection for a variety of unforeseen accidents or litigious-minded clients. For example, the general liability insurance portion of the professional liability insurance policy will be in place to cover you if someone has an accident on your property, such as slipping on ice in the parking lot or a wet floor that was recently mopped.

A solid massage insurance program will also provide protection in the hard-to-imagine instance of a client filing suit against you for damage or injury. The malpractice coverage will be there in case the client claims the damage is due to incompetence or lack of skill. The product liability insurance covers you in case a client claims damage came from a product you used on him or her in the session room, such as hot rocks or a particular lubricant.

Along with these crucial components of professional massage therapy liability insurance, you should be able to find a policy that offers even more. For instance, a top notch program should offer reimbursement for lost or stolen work equipment. It also should afford coverage in case any damage is done to your practice space, such as a hole in the wall while moving around your massage table.

*States requiring massage insurance are: Alabama, Colorado, Indiana, Missouri, Massachusetts, South Dakota and Wisconsin.

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.