Pennsylvania Massage Liability Insurance Guidelines
Although the state of Pennsylvania does not require professional massage therapists (MTs) to have insurance for practice, they are still advised to have coverage to ensure protection from any unexpected occurrence in the workplace. Pennsylvania only requires professional massage practitioners to pass the Pennsylvania State Board of Massage Therapy in order to practice, provided that they have completed the program for therapeutic massage offered by accredited schools. It is also worth noting that continuing education is a requirement for license renewal, which includes 24 CE hours every 2 years.
Importance of Coverage
Malpractice claims can destroy any professional practice. This is the reason why professionals, not just MTs, require insurance to protect them from the financial consequences of these claims. Insurance companies provide insurance to LMTs, so they have the advantage of offering tailored policies to the specific insurance needs of professionals who work in the massage industry, from physical claims to trip and fall as well as object coverage. Most policies do not limit protection to protection to physical claims. They also protect the practitioner for claims of stolen goods up to a certain amount. Aside from financial coverage, massage professionals also become more competitive if they are practicing with a state license and full coverage. Clients typically feel more assured with therapists who have passed state requirements and practice with insurance.
Insurance Coverage Types
Practitioners can choose from various types of coverage, from malpractice coverage to general liability insurance. Professional liability insurance for massage professionals covers claims that can arise out of injuries due to lack of ordinary skill and usually offers a cover of $2 million for each occurrence. General liability insurance covers ordinary accidents in the workplace such as slips, trips and falls. Product liability insurance is also advised for massage practitioners for any untoward accidents that can arise out of the use of products on clients. Claims for allergic reactions, burns and product side effects can be covered by this policy. Other types of coverage include rental damage insurance and stolen goods insurance. The former provides coverage for any damage to the workplace in the course of practice, while stolen goods insurance covers the cost of goods owned by clients or the establishment that are stolen in the course of practice.
Insurance for massage offers comprehensive coverage for the professional massage therapist. Although accidents in the workplace are often few when it comes to the practice of massage therapy, there are occurrences that are still beyond the control of professionals and could lead to considerable financial claims. Insurance in these times is crucial to ensure that the therapist is financially protected.
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