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.
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Number of credentialed practitioners in this state: 250
Phone: (208) 334-3233
Web Site: https://ibol.idaho.gov/
Required Education: 500 hours
Written or Practical Exam: Written
Exam Administered: MBLEx
Renewal Fee: $75 every year
CEUs Required: 6 every year