Liability Insurance for Massage Therapists

Like all types of professionals, massage therapists have a certain amount of accountability with the services they offer and a responsibility to maintain a safe environment. Regardless of how skilled or experienced you are, accidents can happen as you provide your services, whether it’s a client sustaining injuries after falling from the massage table or experiencing excessive bruising after a massage. A professional and general liability insurance policy will protect you in cases such as these. If you also own your own business, you can add an extra layer of protection by listing your employer as an additional insured on your massage therapy insurance policy.

All massage therapists should consider how important it is to have the proper amount of insurance coverage. A massage therapy insurance policy can help you mitigate risks if anything goes wrong with a client. Instead of taking a chance that you will not be named in a lawsuit that can put your career and reputation at risk, it’s better to have a massage therapy insurance policy in case of an accidental injury or other incident that can result in a legal claim.

Massage Magazine Insurance Plus is one of the largest service providers offering insurance policy coverage for massage therapists. We offer more comprehensive insurance coverage and benefits than the average liability policy. Our policies are offered at competitive rates, sometimes over 30% less than other providers and the quality of service we provide makes Massage Magazine Insurance Plus stand out from the crowd. Massage insurance policy coverage, practice support including free CEU classes, rental damage coverage, identity protection and more are provided with each policy.

Massage Magazine Insurance Plus offers general liability insurance, professional liability insurance, product liability insurance, and rental premises liability insurance.

Massage Magazine Insurance Plus offers some of the most competitive rates for massage therapy liability insurance. When signing up for liability insurance, you can receive a one-year introductory rate of $159. Or, to save even more money, you can choose the two-year policy, which costs only $279.95 to cover both years (and is less than $140 annually!). Included in that policy are free CEU classes that are NCBTMB approved, industry discounts, an identity protection plan, and a free professional website.

With Massage Magazine Insurance Plus’ massage therapy liability insurance policy, you will receive $3 million of liability coverage annually, up to $2 million in coverage for each claim or per occurrence. Overall, you will be given an individual $3 million annual aggregate, which is the liability coverage for all of the incidents that happen during a single policy year. This policy also provides $100,000 in rental damage coverage, $1,000 in damaged or stolen equipment coverage, an identity protection plan, free professional website and exclusive member discounts. Massage Magazine Insurance Plus also offers $2 million in product coverage that covers a client’s medical costs if he or she has an adverse reaction to a product such as an oil.

An “occurrence” refers to a single claim. Our professional and general massage therapy liability insurance policy provides $3 million in total claims for one policy year, including a $2 million limit per any single claim. Our product coverage provides for $2 million per any single claim up to $2 million in total product claims for one year.

Massage Magazine Insurance Plus massage therapy liability coverage takes effect immediately after you complete your application to begin protecting you and your practice right away. Applying for the coverage can be done by phone at (800) 222-1110 or online, after which you will receive a confirmation email with access to our member portal where you can securely download your certificate. All of this takes place in just minutes. Which means that when you get up and running, you can rest easy knowing you will already be protected.

There are several types of insurance policy coverage that massage therapists need, particularly general liability, professional liability and product liability insurance.

General liability insurance will help to protect you if a third party claims injuries. For example, if a client gets hurt after tripping on a loose step in your place of work, this person could sue you for negligence, with general liability insurance providing coverage in this circumstance.

Professional liability insurance provides coverage in situations where there are potential injuries that are as a result of your services. A client may, for example, come to you seeking relief for a painful shoulder. Instead of getting better, your services may make the injury worse, prompting the client to file a lawsuit.

Product liability insurance provides coverage in the event that a client suffers some type of injury related to the use of a product, such as an allergic reaction to a massage oil or cream. This coverage offers an extra measure of coverage at no extra charge.

In some situations, such as when you provide your massage therapy services in a franchise, you may be required to add a third party to your liability insurance policy as an “insured.” By adding an additional insured to a policy, that third-party landlord, employer or other person or entity will have a legal claim to the benefits paid under general liability situations to cover the extent of potential losses.

By adding an additional insured to a policy, that entity is released of liability stemming from malpractice or negligence (professional liability) and provides excess coverage for slip-and-fall scenarios (general liability). Excess coverage becomes available when the limits of any other existing policies have been exhausted.

Yes, we do! In partnership with Panda Massage CEU, we are able to provide our members with unlimited access to NCBTMB-approved online continuing education for massage therapists. You can find everything you need for your annual continuing education in the Massage Magazine CE library. Our continuing education resources help you keep up with the latest techniques that make you stand out in your profession. Your massage CE hours are free when you enroll or renew with Massage Magazine Insurance Plus.

While we know massage liability insurance matters, it is advisable to get your liability insurance as soon as you start out in massage therapy school and begin to practice on clients. To avoid adding onto education costs, Massage Magazine Insurance Plus offers massage student liability coverage available under the main massage programs at a reduce rate. It is also important to review your liability coverage when you begin your career as a massage therapist and start practicing professionally to ensure you are still well protected.

When doing a massage insurance comparison, you should be looking out for a number of key things. Including professional and general liability coverage limits, both annual and per-incident limits. Also, think about your need for rental damage coverage, damaged or stolen equipment coverage, and more. Also, compare prices and determine whether or not there are any hidden fees. Continuing education costs, or lack thereof, are also important to consider. Some companies, like Massage Magazine Insurance Plus, include free CEU classes in your policy.

To find information about these important factors, you can look at an insurance provider’s website. This will give you a chance to compare the benefits and costs of each of their programs. If you need more information, how easy does the provider make that? If you speak to a licensed representative of the insurance provider, how clear was the information provided? Although it is not required, Massage Magazine Insurance Plus makes licensed agents available via phone to help you compare your options and is one of the only companies to do so.

Yes, we do. For students who are already enrolled in massage therapy school or any of the other more than 350 health, wellness and beauty modalities covered, Massage Magazine Insurance Plus offers student liability coverage at reduced rates. This student coverage offers liability coverage for the work you do as a part of your curriculum. Once you graduate, you are covered as a professional and are covered anywhere that your license or certification allows. The coverage also offers Occurrence Form coverage, which is one of the most popular forms in the industry. To qualify for student coverage, you must be enrolled as a student on the start date of your policy. It’s also important to note that the student coverage only covers the discipline you are enrolled in at the start of the coverage.

We make it fast and easy to get Massage Magazine Insurance Plus’ massage insurance, so you get the coverage you need, quickly. You can apply by phone at (800) 222-1110 or online. And, you will receive access by email to download your certificate and receipt, often within a matter of just a couple of minutes.