When you picture your practice space or session room, it is difficult to imagine anything other than healing, relaxation and rejuvenation taking place. After all, as a professional massage therapist or bodyworker, most of the clients who come to see you do so in order to achieve a higher level of wellness, whether that means the release of mental and physical stress, the healing of aches and pains or a combination of all of the above.
With such a health and wellness oriented career, it is obviously quite tough to think that anything could take place in your space that would adversely affect a client. However, it is important to tap into your business sense long enough to realize that accidents do happen, and the savvy massage therapist or bodyworker should have the protection of a solid massage therapists insurance policy.
The chances of a client actually filing a legal claim against you at any time in your career is probably very low, but there is still a chance that it could happen. Fortunately, this relatively low risk means that the cost of massage therapists insurance is relatively low as well—unlike the cost of liability insurance for health care practitioners who work in more invasive fields, such as surgeons, for example.
For less than a couple hundred dollars per year, you should be able to find a strong massage therapists insurance policy, and such a low cost is well worth the big peace of mind that comes with being covered. If you are still wondering why, as a massage therapist or bodyworker, you would ever need liability insurance, read on to gain a better understanding.
Depending on where you live and work, possessing massage therapists insurance may be a requirement in order to practice as a professional massage therapist or bodyworker. Whether it is your state or regional governing board, your professional organization, your employer or all of the above, you may find that having massage therapists insurance is a must for continuing in your career.
Even if this is not the case for you, there are still numerous reasons why massage therapists insurance is crucial for professional massage therapists and bodyworkers. For one, if a client ever has an accident on your property, such as slip, trip or fall, you could be sued for the damage or injury. In this case, you would need the general liability portion of your massage therapists insurance to kick in and provide you with the necessary coverage.
Other important pieces of a massage therapists insurance policy include the malpractice or professional liability insurance, as well as the product liability insurance. These types of liability insurance will protect you in case a client claims damage or injury due to a lack of skill or competence on your part as the massage therapist, or due to a product you used in the session. Even if your client’s claims are unfounded, you will likely be supremely relieved to have massage therapists insurance to see you through the legal process.