Indiana Massage Liability Insurance Guidelines
Being named in a lawsuit is a risk that all professional massage practitioners face. While such lawsuits are rarely successful, defending yourself can be very expensive. If the lawsuit is successful, then it can severely impact your financial future, possibly even resulting in bankruptcy. To help protect yourself, it is crucial that you have adequate insurance for your massage practice.
Below, you will find the four steps you need to take to successfully apply for insurance in Indiana.
Step One: Become licensed to practice in Indiana
Before you can apply for insurance coverage, you must be fully licensed to practice massage in the state. The regulatory body that oversees massage therapists is the State Board of Massage Therapy. They stipulate that in order to become licensed, you must first complete five hundred hours of education and training at an approved educational institution. You will also be required to pass one of the professional exams, whether that be the MBLEx, NCETMB, NCETM, or NBCA.
Step Two: Check what insurance your policy includes
The next step should be to check what exactly your policy covers. This should include general, professional, and product liability insurance. You should also see if you are covered for equipment loss, identity protection, or additional features. Make sure you understand each coverage type, and thoroughly investigate individual insurers to make sure you’re getting the correct coverage and the most comprehensive coverage available to you.
Step Three: Look at how much coverage is provided
You want to be sure that not only are you are covered for a wide variety of potential lawsuits, but also that you will have adequate coverage. This involves looking at the individual liability limits for each type of insurance, as well as the aggregate insurance coverage. Some providers will also have “shared” limits versus individual limits on a policy. Make sure you understand if the limits listed apply to you personally or to the entire body of insured members.
Step Four: Provide proof of licensing and/or training
Before you can secure insurance protection, you will be required to provide proof of your license and/or your training. In general, once you have provided adequate proof to your insurer, your insurance will be in effect the following day. You will usually be provided with proof of your insurance within a week of your successful application. If you require proof of insurance faster, you can apply to have this expedited for an additional fee, or you can look for insurance companies that offer instant coverage online.
The following are Indiana state resources, including some employment statistics, to help you determine if being a massage therapist is right for you:
Indiana Massage Therapy Resources:
State of Indiana massage employment statistics as of May, 2017:
Licensed Therapists: 1,380 (does not include all independent contractors)
Annual Mean Wage: $52,650
Required Education Hours: 500 hours
Exam Administered: MBLEx or NBCA NCE
CEUs Required: None
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: YES
Application Process: Online Application for immediate approval.
For additional information about massage therapy in Indiana, follow these links:
State massage association: Indiana Professional Licensing Agency
State employment stats: https://www.bls.gov/oes/current/oes_in.htm
Compare Indiana’s massage therapist employment statistics to other states: