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If you are in the process of setting up your practice as a massage therapist or bodyworker, then you likely have a list of each step you need to take in order to open your doors and begin your work as a hands on practitioner. For those massage therapists and bodyworkers who have been in practice for a while now, it can be a wise idea to take a similar approach to reviewing your practice once a year, making a list of each aspect of your practice and writing down strengths and weaknesses.

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Much of what is on your list, whether you are just starting out or a veteran of the industry, will probably be tangible items, such as your massage table, the décor in your session room and so on. However, it is quite important to go over the intangibles that make up a massage practice as well.

Among the components of successful bodywork business is a strong massage therapists insurance policy. This is one of those items that you cannot see, but it will be there when and if you ever need it. A massage therapy liability insurance policy will serve as a safety net, protecting you and your practice against possible legal claims, much the way car insurance is designed to protect you in case of an auto accident.

As you assess your existing practice or get ready to open your doors, be sure to place massage therapists insurance on your checklist. Then, be sure to find a policy that offers you all the peace of mind you need, so you can keep your focus on serving clients to the best of your ability—not worrying about all the "what ifs" that come with running a client centered business.

For example, when you have a solid massage therapists insurance policy, you will not need to worry about what would happen if a client happened to have an accident on the property of your practice, such as tripping on the way into the session room and hitting his head on the edge of a table or chair.

Similar to a severe auto accident, such an occurrence is rare, but possible, and you will want to be protected, for the legal financial fall-out of something like that taking place could be disastrous. For instances such as these, your massage therapists insurance policy should come equipped with general liability insurance, which is also know as "slip and fall" insurance.

Besides this general safety net, a high quality massage therapists insurance policy will offer you coverage from other potential legal claims, such as a client who claims damage or injury due to a lack of skill or competence on your part as the professional massage therapist or bodyworker. In this case, the part of your massage insurance policy that would kick in to provide coverage is called professional liability insurance, or malpractice liability insurance.

Be thorough in the assessment or setup of your practice, and be sure you have the right massage therapists insurance in place.

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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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