No one wants to walk around expecting the worst, and it does not sound like a good idea—or a healthy idea—to constantly be on guard for accidents or unpleasant surprises. On the other hand, pulling an ostrich move and placing your head in the sand, pretending bad things don’t happen, at least not to you, certainly is not the smartest plain either.
Fortunately, there is a middle ground where a person can be prepared for the possibility of an accident or an unpleasant surprise, so he or she can stop worrying about the “what ifs” and enjoy daily life.
This applies to professional touch practitioners who provide massage therapy and bodywork to clients, in terms of massage therapy liability insurance. By taking the time now to find and sign up for a solid massage therapy liability insurance policy, hands-on healers can secure peace of mind in the face of life’s sometimes unwanted occurrences.
For instance, it may seem like no client of yours would ever bring a malpractice suit to your doorstep. Of course, no one imagines their hands-on healing could ever evoke such a reaction. Unfortunately, people can be unpredictable, and you never know what kind of client might come through your door.
Besides certain “loose cannon” clients, there also is the slim chance you may miss an important red flag on a client’s initial intake form, and then unintentionally exacerbate a problem he or she might be experiencing.
It is true these seem like one in a million situations, but again, it is important to be prepared and not play ostrich. After all, the annual fee for a solid massage therapy liability insurance policy is minimal in comparison to the money, time and heartache you will save if any of these scenarios do indeed become a reality.
On top of the terrifying idea of a malpractice claim being filed against you by one of your clients, there are other—perhaps more common—occurrences that massage therapy liability insurance can cover.
General liability should be part of the protective umbrella of a high quality massage therapy liability insurance policy. This portion of your policy covers any instances in which a client might have an accident while on your property. Whether it is a slip on an icy sidewalk, a tumble down the stairs or a trip on the edge of that throw rug, you want to be covered in case the client decides to bring a suit against you due to accidental injury or damage.
Along these same lines, your massage therapy insurance policy should protect you from claims of injury or damage due to the use of certain tools or products on a client. This might mean a burn from a hot rock or an allergic reaction to one of the ingredients in your massage cream and nearly anything in between. With massage therapy liability insurance, you should have no reason to worry about the slim possibility of such a situation.
There are other scenarios, which don’t involve clients, that might also need coverage from massage liability insurance. These include damage to the space in which you work, as well as work equipment that is lost or stolen.