Paying the fairly low annual fee for a quality massage therapy liability insurance policy is well worth it for the protection and peace of mind such a policy will provide. With a solid massage therapy liability insurance policy you get more than one form of coverage and protection, and it seems that each one of these aspects of liability insurance could be crucial to your business.
When you secure the right massage therapy liability insurance policy, you should find yourself covered for several forms of liability, including general liability insurance, professional liability insurance and product liability insurance. Let’s take a look at each one of these modes of coverage to see how important it could potentially be to you and your practice.
Imagine it is a snowy or rainy day and a client slips and falls once he or she steps onto the hardwood floor of your practice foyer. If you live in a place where it never snows and rarely even rains, then picture a client tripping and falling over a loose rug or an uneven door jamb in your office.
The scenario could play out so many different ways, but the point is that there is a possibility that one day a client could slip, trip or fall on the property of your practice and sustain damage or injury. If said client decides to sue you for damages, you will be breathing a huge sigh of relief for the fact that you have general liability coverage. This portion of your massage therapy liability insurance is designed expressly to provide protection in case a client has an accident on the property of your practice and decides to file a claim.
Moving on to the professional liability segment of massage therapy liability insurance, it is necessary to realize that one day a client might really believe that he or she suffered damage or injury in your session room because of a lack of skill or competence on your part as the massage therapist or bodyworker. Whether or not this truly could be the case, it is certainly not out of the question.
If such a shocking scenario did happen to unfold, then you would need your professional liability insurance, also known as malpractice insurance, to see you through the legal process involved in such a claim. Massage therapists and bodyworkers work intimately and physically with their clients every day, often attempting to alleviate pain surrounding a previous injury. Looking at this line of work objectively, it is not difficult to see why massage therapy liability insurance is a necessity for the business savvy practitioner.
As for the product liability portion of your massage therapy liability insurance policy, this kind of coverage is designed to protect practitioners in case a client files a claim for damage or injury due to a product used in your session room. From your massage lubricant and linens to the massage table and even essential oils, there are so many products that carry the potential for an allergic reaction or even an accident. Therefore, possessing product liability insurance through your massage therapy liability insurance policy is another crucial component of coverage.