South Carolina Massage Liability Insurance Guidelines
If you are a massage therapy professional conducting business anywhere in the state of South Carolina, having massage practitioner insurance is essential for you to protect the reputation and integrity of your business. Insurance is a protective net against potential liabilities that may arise in the work course of your work. Though it may seem unlikely, accidents will always occur and it’s therefore essential for you to ensure you are on the safe side by obtaining insurance.
The licensing requirements for you to practice as a massage professional in SC are quite straightforward. You will need to have graduated from an accredited school by SC Board of Massage and Bodywork Therapy which operates under the Department of Labor, Licensing and Regulations with a minimum of 500 hours. You must also pass the NCETM/ TMB (National Examination for Therapeutic Massage) exam, or you may opt to take the MBLEx exam, which is offered by FSMTB. You must also be at least 18 years of age.
Once you have completed each of the above requirements, you will submit the relevant paperwork with the South Carolina Board of Massage and Bodywork Therapy, and are then licensed to practice as a massage therapist in the state.
The next step is to decide if you’ll purchase massage insurance. Whether it’s a legal requirement or not, having massage insurance is a smart move. It adds legitimacy and safety to your business.
No professional massage practitioner can control or predict all the circumstances that can possibly arise while dealing with a client. Regardless of how careful you are, the possibility is always open to the fact that an accident will occur. The last thing you want is to be engaged in legal battle due to damage caused to clients. This not only adds a significant amount of emotional stress, but also creates severe financial strain to your personal and professional life. Having LMT insurance provides you with the safety net, in that you no longer have to worry about the countless “what-if” situations that could arise.
It’s also important since you never know what could come next. A client could just come in for massage, slip and fall, or make a claim that you hurt him during the massage while you are sure you gave a quality treatment. The fact is, you never know what could happen from day to day. Having massage practitioner insurance serves to protect your business from these day to day risks, enabling you to focus on growth and offering quality services to your clients. On the other hand, having an insurance policy simply shows that you care for your clients and their security.
Massage liability insurance is a key investment for the future, as securing insurance helps protect your other investments too. You will pay a small price to obtain insurance, but it may have a big impact on the security of your future earnings.
Having insurance has several key benefits for a massage therapist. It improves your professional reputation, safeguards your from daily operations risks, gives you and your clients peace of mind. Moreover, it protects your personal assets and earnings. Every SC massage professional should therefore purchase this valuable asset before starting to practice.
The following are South Carolina state resources, including some employment statistics, to help you determine if being a massage therapist is right for you:
South Carolina Massage Therapy Resources:
State of South Carolina massage employment statistics as of May, 2017:
Licensed Therapists: 3,216
Annual Mean Wage: $39,660
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 South Carolina, follow these links:
State massage association: South Carolina Massage/Bodywork Panel
State employment stats: https://www.bls.gov/oes/current/oes_sc.htm
Compare South Carolina’s massage therapist employment statistics to other states: