Working as a professional massage therapist, you’ll no doubt encounter many different types of clients, each of whom you’ll want to do your best to help. You may find yourself providing instrumental relief for a client with chronic pain, or you may end up being a vital component in another client’s healing after an accident or surgery. With your primary focus on providing these avenues of goodness and healing, you may not consider – or you may not want to consider – securing massage insurance for yourself. However, even with all of the wellness you provide, getting insured may be one of the most important decisions you make in your massage career.
Massage therapist insurance can provide peace of mind that is priceless. For professional bodyworkers, massage insurance can be just as important to your practice as the table you choose for your session room, or the modality you provide for clients. The reason massage therapy liability insurance ranks so high among the other integral parts of your practice is because without it, you could lose the entire business you have built. All the efforts you made to bring about your chosen career path may be rendered useless by one unfortunate lawsuit. Additionally, some states mandate that massage professionals carry liability insurance.*
It is true that you will not use your insurance in your massage practice nearly as much as you use your hands to apply your preferred techniques, or as much as you use your massage table to conduct each session. However, when and if you ever do need to use massage practitioner insurance, it can protect you and your practice from financial ruin.
In a sense, touch therapy insurance could be thought of as the equivalent of car insurance for severe accidents. While you may not lean on your car insurance all that often, you will certainly be glad to have it if you are ever involved in a severe accident of some kind. In such a scenario, that insurance policy could be the only thing that prevents you from facing bankruptcy due to medical bills, rental car fees, and body shop payments.
When dealing with massage insurance, the coverage works in much the same way. While you most likely will not be using your massage liability insurance policy all that often, you will be extremely grateful to have it if a client ever decides to sue you for damages over an injury that the client somehow associates with you. In a situation like this, your massage coverage will protect you and your practice from the financial drain of legal fees, possible medical bills, and so on.
The sticking point here, for most LMTs and bodyworkers, is the fact that it can be difficult to imagine a client ever suffering an injury that would be at all connected with you and your practice. However, what you must remember is this: accidents happen. You never know when a client may trip over a rug in your hallway, break his wrist, and decide to sue you for the damages. You never know when a client may convince herself that it was your deep tissue technique – and not her last month’s fender bender – that has caused her neck pain.
These are just two simple examples of the types of accidents or unexpected scenarios that can unfold within and around a massage or bodywork practice. Such situations may seem far less likely to happen than a car accident, but that unpredictable risk factor is still there.
This is why massage professionals and bodyworkers should consider securing high quality massage insurance for their practices. The fee for such insurance is usually less than a couple hundred dollars per year, while the peace of mind provided by such a policy is priceless. Now that you understand the basic need for liability insurance, remember that, even as a healer, you are still running a business. Protect it.
* These states require massage practitioners to carry insurance: Alabama, Colorado, Indiana, Missouri, Massachusetts, South Dakota, and Wisconsin.