Professional Policy for Baby Massage Therapists
Great Coverage and Career-Long Benefits with Peace of Mind
Adults aren’t alone in how much a good massage benefits their mind and body. Research from the Mayo Clinic shows that babies, too, appreciate some good body work. Relaxing and soothing for infants, as well as their parents, baby massage therapy can be a very rewarding career. For baby massage therapists, the most important step in setting up a successful career in this special field is to make sure they have all-encompassing liability insurance from the start.
Disciplines and Modalities We Cover
What is Baby Massage Insurance?
Massage for infants is a gentle form of massage therapy that presents an awesome opportunity for parents to bond with their babies. Baby massage therapists can make this time restorative for child and parent alike as they help to demonstrate and guide a parent through a session. Baby massage can be administered very early on, even when the baby comes home from the hospital. All areas of the body can receive this therapeutic touch.
Some different areas baby massage therapists can focus on during a session and/or as they guide parents through the therapy include:
- Feet and Calves: slow, gentle strokes down the calves to the ankles with gentle squeezing can really help relax a baby. The feet and toes are also great focus areas.
- Head to Toes: start by cupping the child's head and then slowly run down their sides all the way to the toes. This helps generate awareness of full-body touch and provides a good opportunity for face time.
- Chest and Stomach: gentle pushes and rubs around the chest can help to soothe a fussy baby with reassuring presence. For the stomach, try walking your fingers from one side to the other making an “X” with their intersecting paths.
A baby's sense of touch is extremely acute at birth so the more time you can help a parent develop a bond the better. Believed to help with stomach issues, trouble sleeping, teething, and more baby massage can be a very transformative therapy to provide.
Importance of Coverage
Baby massage is indeed extremely beneficial for both babies and parents that get to experience a session under a practiced therapist. But even for the most experienced therapists, there are still inherent risks that are present from the very first time you start offering services.
General liability is the risk that someone gets hurt or has their property damaged in some fashion in or just around your place of business. General liability is pretty aptly named because it can apply to any number of different incidents. Slip and fall injuries are common examples of a general liability.
With our baby massage insurance coverage, members get general liability coverage limits of up to $2 million per occurrence and $3 million as an individual annual aggregate.
This is the risk that someone is injured or has their property damaged during a session with you. You might hear coverage for professional liability called “errors and omissions” or “malpractice” since this type of liability is related to the actual services provided by the professional. An example could be a parent saying the massage was a little too intense and their infant was hurt as a result.
MMIP includes coverage limits for professional liability of all the way up to $2 million per occurrence and $3 million in total for each individual member.
Baby massage therapists rely on different products in order to provide a safe and positive experience for their clients. If a client has an adverse reaction to a product you introduce during the session, you may be held responsible for their costs associated with the incident. MMIP members enjoy up to $2 million in product liability coverage.
Additional Risks Require Additional Coverage Areas
Baby massage therapists face other risks that without coverage could present an incredible difficulty should an unfortunate event come to pass. Made for the types of risks that face professionals today, MMIP also includes rental damages coverage, stolen/damaged equipment coverage, and identity theft protection.
Affordable Baby Massage Insurance Coverage
The best news of all is that comprehensive insurance doesn’t have to break the bank. We designed our policy specifically for today’s therapists based on our unique experience protecting health and wellness professionals.
For just $159 for an entire year of coverage or $279.95 when a two year term is purchased, baby massage professionals can have complete peace of mind knowing that their insurance coverage is stout enough to have their back.
The Type of Coverage Professionals Prefer
Massage Magazine Insurance Plus makes sure that our members have the right type of coverage for today’s risks. But one way we do this is with the type of coverage we provide. MMIP uses an industry-preferred policy that utilizes individual annual aggregates and an occurrence form. Other programs can use shared aggregates and claims-made policies. We’ll explore why these are such crucial distinctions in your baby insurance policy.
Why Occurrence Form is So Important
Occurrence form policies are industry-preferred because they solidify that, for events that happen during the policy’s term, you have coverage. Sounds simple, right? Well, it can get complicated with a claims-made policy based on the timing of a claim. Occurrence form policies say that you can still file a claim after the policy has expired, as long as your filing for an event that occurred back when the policy was active. Claims made say if the policy is expired now, you can’t go back and file a claim for that past event.
Look at an example, say it’s December 31st and you’re providing your last session of the year. Your policy is still active on December 31st but expires at midnight on January 1st. A few weeks after the session, the client informs you they think they were hurt and may seek legal action. If you have a claims made, you’ll be out of luck and have to pay the claim out of pocket. Occurrence form lets you go back and still file a claim since, on December 31st, the policy was still active.
Making Sure You Have Individual Annual Aggregates
One way that MMIP makes sure that every member is getting every bit of coverage they purchased is by using individual annual aggregates in our policies. Individual aggregates mean that all of the coverage is entirely the policyholders. Some policies out there use shared aggregates which means there are others on the policy using the same coverage limits. If those other members exhausted the coverage limits before you needed them, you may not have adequate coverage to pay for a new claim. That’s why it’s crucial as you compare your massage insurance options to make sure the policy is using individual annual aggregates.
Member Benefits With Baby Massage Insurance
In addition to all the physical and emotional benefits baby massage insurance provides for parents and infants, members get to enjoy a host of member benefits with their policy. Just as a preview to a program that’s worth hundreds of dollars all by itself, from day one members have access to awesome membership benefits such as:
- Access to Free NCBTMB-Approved Continuing Education Courses
- A Shiny, New Professionally-Designed Website for Digital Marketing
- Loads of Industry-Discounts from All the Best Names
- Deals on New Subscriptions to MASSAGE Magazine
All of these benefits were included with the specific mindset that each needs to be something that a therapist would actually use and provide real benefit throughout their career.
So Many Different Disciplines All Covered
At MMIP, we totally get that therapists may employ multiple modalities even within a single session in order to produce the greatest benefits for their clients. That’s why our policies include coverage automatically for many different kinds of massage and wellness activities.
Whether you employ swedish massage or acupressure, you’ll enjoy complete coverage for the widest range of different services with MMIP’s comprehensive baby massage insurance.
Great Service, Low Price
Comparing your options for baby massage insurance is a given and we actually encourage it. We even have a full rundown of our plan side-by-side with the leading competition to make it really easy. That’s because we have complete confidence that our program offers truly one of the best combinations of affordability and coverage available today. As you compare your options, make sure to pay attention to price. While price alone should never be the single deciding factor, it is up there for most of us.
But price can sometimes be a hard figure to nail down since some companies charge membership dues and other fees. With MMIP, there’s never any hidden fees, what you see is what you’ll pay.
Get Fully Covered in Just a Few Minutes
Our entire policy including millions of dollars worth of insurance coverage and a full member benefits program can be accessed and completely effective in just a few minutes. Fill out our quick online application, check out, and that’s it—you’ll have full coverage with immediate access to all of your important plan features and documents.