Active Myofascial Therapy Insurance

What Myofascial Therapy Insurance Covers

At only $159 per year of coverage, professionals offering myofascial therapy get comprehensive liability insurance to protect themselves through every step of their career. This program was designed just for myofascial therapists and includes professional liability (also called malpractice insurance), general liability (also known as slip and fall), and product liability coverage.

This program also includes rental damages coverage, stolen equipment coverage, and even an identity protection plan. All of this is provided under what’s known as occurrence form coverage. This allows policyholders to submit a claim even after their policy expires! Learn more about why occurrence form is the preferred coverage type for health and wellness professionals.

Coverage for the Real World

Sometimes imagining what myofascial insurance covers can be hard. Let’s run through some all-too-possible scenarios today’s therapists can face at some point in their careers:

• General Liability Scenario - an elderly client trips over your doorway’s loose threshold and injures themself after falling. You receive a demand letter for all of their medical bills. MMIP myofascial insurance provides $3 million for each occurrence and $3 million in total for claims falling under general liability.

• Professional Liability Scenario - during a therapy session, a larger client slips out of your grasp as you perform The Diamond Method. They strain their back as a result and hold you responsible for the costs of their rehabilitation. For claims related to professional liability, you’d also have $2 million per occurrence and $3 million in total.

• Product Liability Scenario - a brand of disinfectant you use to sanitize your studio causes one client to have a bad allergic reaction. The reaction is so severe that an ambulance is called and the client is hospitalized. Some time later, you receive notice that they hold you responsible and demand you pay all of their medical bills, as well as their lost wages. With this insurance plan, you’d have all the way up to $2 million in total for claims falling under product liability coverage. 

• Rental Damage Scenario - you are moving some furniture into your rented space and tear up a few of the walls. Your landlord says all of the repairs are your responsibility. Our policy includes up to $100,000 to cover damages like this example.

• Stolen Equipment Scenario - while getting to your car after a mobile massage session, a robbery by force leaves you shaken and your table and supplies stolen. With MMIP, you are immediately eligible to get up to $1,000 with a $250 deductible to replace these.

• Identity Theft Scenario - you are just getting your practice online when you receive notice that your identity has been stolen and was used to make fraudulent purchases. MMIP insurance includes up to $25,000 worth of identity restoration services to immediately start getting your life back together. 

Myofascial insurance provides you with the vital coverage your career needs to weather unforeseen events. The risks of not having insurance when a liability pops up far greater than the cost.