There are several key components to any high quality massage therapy insurance policy, and it is important to understand each of these pieces before purchasing a policy for you and your practice. These key pieces include general liability insurance, professional liability insurance and product liability insurance. In this article, we will focus mostly on the product liability portion of massage therapy insurance, in order to give readers a more in-depth understanding of this specific aspect of coverage.
Basically, the product liability insurance segment of your massage therapy insurance policy is there to provide financial assistance in case one of your clients ever files a legal claim against you and your practice for perceived damage or injury due to one of the products used in your session room.
For example, if your massage table somehow fails during the session, this could result in a client falling off the table and sustaining some kind of injury, such as a broken hip or arm. It may be tough to imagine such a scenario ever taking place in your session room, but one cannot predict when an accident might happen, and whether a massage table may one day give out or become unsteady, due to a wear and tear, improper maintenance, a faulty part of some other unforeseen circumstance.
In a case such as the one outlined above, the client’s injury would be due to the failing of a product used in the session room—the massage table. Therefore, it would be the product liability component of your massage therapy liability insurance that would kick in to provide the necessary financial assistance if a client did decide to file a legal claim for the damages.
Let’s take a look at an example of another situation that would fall beneath the umbrella of the product liability portion of your massage therapy insurance. For those massage therapists who provide sessions with the use of hot stones, it is not hard to see how these tools of the trade could cause harm if handled improperly. For example, if the stones are heated up too much, and then placed on a client’s skin, this may result in burns of varying severity.
Again, this is a scenario where the product liability aspect of your massage therapy insurance policy would be a necessity, in order to sustain any legal claims for financial damages in the case of a client injury, such as a burn from the hot stone. Of course, it is incredibly difficult to believe such a scenario could ever unfold in your session room, but massage therapy liability insurance exists to guard practitioners against such rare and unpredictable accidents.
Perhaps because the change of such an accident taking place in a massage therapist’s session room really is quite rare, the cost for high quality massage therapy insurance is not high. For less than a couple hundred dollars per year, which is frequently a tax deductible expense, you can have the protection of a solid massage therapy insurance policy.