Idaho Massage Liability Insurance Guidelines
If you’re in the massage industry in Idaho, then you should greatly consider taking up insurance for LMTs. As it is with any other profession in health care, being a massage practitioner is inherently risky. That’s because you cannot control all circumstances or predict the actions of every one of your clients. Insurance coverage safeguards against many known and unknown risks. It protects you as well as your business, personal property, reputation, income, and ability to continue practicing hands-on therapies from claims involving bodily injury or property injury, up to the certificate limit for covered claims. The policy will shield you from the expense of out-of-court settlements, costs of litigation, and judgments awarded by courts.
To be licensed as a massage therapist in Idaho, there are several requirements that must be fulfilled. You must complete a minimum of 500 hours of course work and hands-on clinical work at an accredited school, which will cover topics such as physiology, anatomy, hands-on clinical work, business practices and health issues pertaining to therapeutic massage and bodywork. Additionally, you must pass one of the nationally recognized massage competency exams, either through NCETM, NCETMB, or MBLEx.
Even though the state of Idaho doesn’t require insurance for you to practice massage, it is still in your best interest to protect yourself. A reputable touch therapist insurance program will secure you and your massage practice against any potential liability. Though you can legally take the risk of not buying LMT insurance, you may not realize how risky this chance is. Without insurance, if a client sues you, alleging wrong doing on your part/on your premises, you could lose your business property, personal property and ability to continue practicing massage if the lawsuit succeeds. This would have a serious impact on your business and family. Don’t take the risk! Invest in your own peace of mind. Insurance for massage professionals provides the necessary legal assistance to fight both false and real claims as well as reserves to pay any successful claims, helping save your livelihood.
Most insurance plans for LMTs include general liability, professional liability, product liability, and rental premises liability. General liability insurance covers slip and fall accidents, designed to protect you in the event that a client trips/slips/falls and makes an injury claim. Professional liability coverage provides protection against injury claims related to your work, like if a client claims an injury was incurred or aggravation of a pre-existing injury occurred as a direct result of your incompetence as a massage professional, having this type of insurance coverage will protect you. Product liability coverage protects you from any liability arising from products used during a massage session. If a client develops adverse reactions or side effects from massage creams or oil and sues, this type of massage insurance coverage will cover legal fees involved, along with any payouts determined as a result of the lawsuit. Rental premises insurance covers any damages that may occur to the facility due to negligence on your part to the rental building.
Some insurers provide a “broad form” of coverage which may include all these components of insurance for massage. Other providers may limit coverage to only some specific actions. It is, therefore, important to inquire as to the extent of coverage when shopping for coverage in order to purchase the coverage that best suits your own needs.
The following are Idaho state resources, including some employment statistics, to help you determine if being a massage therapist is right for you:
Idaho Massage Therapy Resources:
State of Idaho massage employment statistics as of May, 2017:
Licensed Therapists: 250 (does not include all independent contractors)
Mean Hourly Wage: $23.13
Annual Mean Wage: $48,100
Required Education Hours: 500 hours
Exam Administered: MBLEx
CEUs Required: 6 hours every year
Other Requirements: Liability Insurance
For one low flat fee, massage therapists can receive the quality, comprehensive coverage they deserve, avoiding the costly impact that a lawsuit can bring. Even the most careful massage therapists can make a mistake, or encounter one of those hard-to-please clients that finds fault in a treatment, even if nothing really went wrong.
Required To Have Insurance: NO
Application Process: Online Application for immediate approval.
For additional information about massage therapy in [STATE NAME], follow these links:
State massage association: Idaho Board of Massage Therapy
State employment stats: https://www.bls.gov/oes/current/oes_id.htm
Compare Idaho’s massage therapist employment statistics to other states: