Colorado Massage Liability Insurance Requirements
The moment you step into your massage room, with everything in its place, ordered and neat, all you think about is wellness. Yes, that is your profession, enhancing wellness in others through therapeutic massage. You will not think that anything can go wrong, especially if you have been in this practice for many years. Nothing can definitely go wrong because nothing has gone wrong in the past and all your customers have been very satisfied with your service. They keep coming back and recommending your practice to friends and family. With this positive and wellness-driven mindset, you may not want to think about buying an insurance policy for massage professionals in Colorado.
First off, you should know that insurance is required for every professional massage therapist. All registered massage therapists and bodywork professionals in Colorado are required to have a diploma or degree obtained after education and training from an approved massage school. They are also required to pass the approved exam for their profession, NCETMB/ NCETM or MBLEx, and comply with exemptions. Even if massage insurance is not required by the state, it is always a good practice for every touch therapist to carry insurance.
No matter how excellent your skills are, you cannot guarantee that nothing will ever go wrong with your professional practice. No professional can be careful enough, and even if you are very careful, there are situations that are out of your sphere of control. Some clients are just looking for the least error to sue. It could be a slip and fall accident occurring in your business premises, a wrong product used, or a simple oversight. Claims can be very damaging, and you do not want to experience the stress of going through lawsuits. In addition to losing money, the reputation of your practice can be damaged without repair through claims. The right Colorado massage therapist insurance will cover all of these scenarios.
Insurance coverage has many benefits for massage professionals. You can buy your insurance depending on your specific business needs. Professional liability insurance, also known as malpractice insurance, will cover claims related to lack of professional skills or misconduct that results in injuries. Even if you have the right skills and experience, you cannot be sure that all clients will believe this. This coverage can go up to $2 million per occurrence. General liability coverage will cover claims for injuries or accidents occurring at your business premises, such as slip and fall accidents. Product liability coverage will protect you against claims related to injuries resulting from the product you use. There are other types of insurance coverage that you can consider such as rental damage insurance which covers damages to your work space.
You can get the right insurance coverage if you consider your specific needs. Shopping around and comparing insurance rates is also important. This will help you compare rates and get the one that is most affordable for you. If you buy the right massage therapy insurance, you can have peace of mind knowing that your practice is protected.
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Number of credentialed practitioners in this state: 10,456
Phone: (303) 894-7800
Required Education: 500 hours
Written or Practical Exam: Written
Exam Administered: NCETMB or MBLEx
Renewal Fee: $44 every 2 years
CEUs Required: N/A