One of the many big reasons massage therapy has gained so much recognition and popularity as a technique that can enhance health and wellness is because it offers a noninvasive method of making people feel better.
Whether it is stress and anxiety, aching muscles and joints, or some other form of pain or distress that brings clients to your practice, massage therapy promises results without the use of invasive measures, such as prescriptions medications, needles or surgery.
This also holds appeal because it means there are little or no side effects to the relief one may receive from a massage therapy session. For these reasons and more, people seek massage therapists to make them feel better in a safe and relaxing way.
Due to the noninvasive and wellness-based nature of massage therapy, one might wonder why liability insurance or massage insurance for massage therapists even exists. After all, the goal of these healing practitioners is simply to make their clients feel better through skilled touch.
The reason for massage therapy liability insurance is the fact that we live in a world of unknowns. You never know when a client might decide to believe that something that happened in your session room caused or contributed to an injury. You never know when a client might claim that the massage lubricant you used caused a severe allergic reaction. You never know when a client might trip and break an ankle in your hallway.
Of course, these scenarios are no fun to think about, and they are tough to even imagine. In the course of your career as a massage therapist, it is true that none of these situations might ever occur.
However, it only takes one unexpected scenario to turn your whole career upside down. One “loose cannon” client who trips on a rug and breaks an ankle or blames you for an increase in post-accident pain is all it would take to set your career in peril. If that one accident or surprise situation ever does take place, you will want a solid massage therapy liability insurance policy in place.
You do not have to pay a lot of money to secure this safety net and the peace of mind it provides. It is possible to find a high quality, low-cost massage therapy liability insurance policy. In addition, this fee is typically tax deductible. If you weigh this small yearly cost against the huge protection that comes with such a policy, then purchasing massage therapy liability insurance clearly becomes the right decision. Some states also require it for you to practice your profession.*
Even more importantly, we do live in a litigious society. Currently and unfortunately, suing has become a way of life for some individuals. Clients have filed claims for bruised ribs, backs, necks, hamstrings, and even toes. Claims also have been filed and payments received from insurance companies for clients who proved to be allergic to lotions, lubricants, creams and analgesics. In one of the cases where a payment was made, the massage therapist had not obtained in writing that the client had a history of being highly allergic to certain creams.
While these are some unpleasant facts about the working world as we know it, it also is important to realize that securing massage therapy liability insurance does not mean you really believe one of your clients is going to sue you or that one of the products you use may cause damage or injury.
Securing insurance is simply a basic step toward creating a sound business model. With strong massage therapists insurance, you never have to worry about the unknown. This kind of confidence could even help make you a better massage therapist, for you can fully focus on helping each client without any nagging worries in your mind.
*States requiring massage insurance are: Alabama, Colorado, Indiana, Missouri, Massachusetts, South Dakota and Wisconsin.