Michigan Massage Liability Insurance Guidelines

Massage therapy can be a rewarding career for anyone. Although there are many benefits of being trained and licensed for this job, there are also several negatives. For example, there are liabilities that may arise that could potentially cost a massage professional his/her career. This is why massage liability insurance, like professional insurance for many other careers, is so important to have. As a professional, this will protect you and your career from any unexpected problems.

What is Michigan Massage Liability Insurance?

There’s no way to control what happens during the course of a day, which is why most people have health insurance or auto insurance. It is important to carry massage liability insurance because it provides a safety net for professionals in this line of work. It protects the touch therapist from unexpected situations to ensure they are still able to work well into the future.

Without insurance, professionals are liable to pay for stolen goods, as well as lawyer/legal fees out of pocket if a client were to sue. Most potential liabilities are covered by massage liability insurance, although the specific coverage does depend on the insurance company and plan that is chosen. It’s strongly recommended to get this coverage in the state of Michigan, as just one problematic situation could result in the end of a career.

Most professional touch therapists in the state get insurance as protection not only for themselves, but also for their clients. In this way, most clients are more likely to choose an insured massage professional. Along with having the peace of mind that comes with being insured, an LMT may also benefit financially by getting more clients for having the advantage of insurance.

Michigan Massage Therapist Licensing

In the state of Michigan, all massage professionals are required to be licensed with the Department of Licensing and Regulatory Affairs before they begin to work. In addition to this, massage practitioners need to be licensed with the Board of Massage Therapy and Bureau of Health Professions in the state. Applications are readily available online, and can easily be filled out and submitted to the appropriate offices.

After filling out and submitting the necessary paperwork, a background check is required, including fingerprints and a fee. Soon after applicants are accepted, they will receive a copy of their license by mail.

In order to get licensed to become an MT, applicants first need to get their education. This starts with a GED or high school diploma and ends with passing certain exams. There are community colleges that have courses available, but there are also schools for massage in most towns in Michigan, as well. As long as applicants pass all required certifications, hours of study and exams, they will be able to submit their information to the licensing boards.

Resources for Massage Therapists in Michigan

The following are Michigan state resources, including some employment statistics, to help you determine if being a massage therapist is right for you:
Michigan massage employment statistics as of May, 2017:
Licensed Therapists: 2,080
Mean Hourly Wage: $20.08
Annual Mean Wage: $41,760
Source: https://www.bls.gov/oes/current/oes_mi.htm

Education Requirements
Required Education Hours: 625 hours
Written or Practical Exam: Written Exam
Exam Administered: MBLEx
CEUs Required: 18 hours every 3 years
Source: https://www.massagetherapylicense.org/state/michigan-massage-license.html

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: If you want massage liability insurance coverage, use our Online Application for immediate approval.

For additional information about massage therapy in Michigan, follow these links:
State massage information: Michigan Board of Registration of Massage Therapy
State employment stats: https://www.bls.gov/oes/current/oes_mi.htm

Compare Michigan massage therapist employment statistics to other states:
https://www.bls.gov/oes/current/oes319011.htm