Rhode Island Massage Liability Insurance Guidelines
Whether you run your own massage business or work for a physician/chiropractor/spa in Rhode Island, insurance is important for all massage therapists (MTs). RI massage insurance protects you and your business against law suits and malpractice claims. The policy pays for legal fees and any judgments against you up to the insured amount. In RI, massage professionals are not required to have insurance. But it’s recommendable to buy coverage, given the huge benefits you can get from such a policy and the reasonable prices usually offered by insurers.
Professional Massage Therapist State Licensing Requirements
In order to be licensed to practice, massage practitioners must undergo a minimum of 500 hours of instruction at an accredited institution in the state. They also need to obtain a minimum of 300 points on the NCETMB to qualify for a license. In addition, students are required to take an examination that tests their knowledge of health and regulations in the state.
Importance of Obtaining Massage Insurance
While working as a massage therapist in RI makes for a great career that could allow you the freedom of working for yourself, it involves some degree of risk, just like any profession that deals with public health and requires regular, intimate contact with clients. The clients’ health and the physicality involved is often a recipe for a lawsuit. Claims for aggravation and abuse by clients against their massage therapists are not uncommon. Beyond that, a client may trip on your premises and become injured, or receive an injury while getting off the massage table. It is also possible that a client develop adverse effects due to massage creams or oil. Without massage therapy insurance, a legal claim arising from any of these situations can cost your business, as well as irreversibly and negatively impact your reputation.
To provide peace of mind and crucial support for MTs and their businesses, insurers provide four basic massage practitioner insurance plans: general, professional, product, and rental premises liability insurance. General liability (or slip/trip and fall) insurance protects your business, personal property, reputation and source of income in the event of an accident, where a client slips and falls, suffering an injury that leads to a legal claim. Without general liability insurance coverage, you can be personally sued for medical bills and loss of future earnings – which could see you lose anything you own, including your business.
Professional insurance (or malpractice coverage) plan protects you from medical malpractice claims or claims made against the work you do. The insurer will provide you with enough support, including paying for your legal defense, if a client sues you alleging wrong doing on your part. The company will also pay the court costs and any judgments against you, up to the sum insured.
Product insurance provides you coverage against potential liabilities in the event that products (such as massage oils and creams) used during massage cause an adverse effect or an injury to a client.
Last but not least, premises insurance protects you and your business from claims involving property damage or bodily injury caused by an accident or mishap inside a rental property. If you’re sued or damages are filed against you, the policy covers the attorney expenses, court fees, any settlement or judgment, and medical expenses.
The following are Rhode Island state resources, including some employment statistics, to help you determine if being a massage therapist is right for you:
Rhode Island Massage Therapy Resources:
State of Rhode Island massage employment statistics as of May, 2017:
Licensed Therapists: 1,608
Annual Mean Wage: $43,750
Required Education Hours: 500 hours
Exam Administered: MBLEx
CEUs Required: 12 hours every 2 years
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.
Application Process: Online Application for immediate approval.
For additional information about massage therapy in [STATE NAME], follow these links:
State massage association: Rhode Island Department of Health
State employment stats: https://www.bls.gov/oes/current/oes_ri.htm
Compare Rhode Island’s massage therapist employment statistics to other states: