Massachusetts Massage Liability Insurance Guidelines
As a massage therapist, being named in a malpractice suit is an unlikely event. However, the best massage practitioners are prepared for this unlikely event by carrying insurance. In an age where the economy remains in turmoil and US citizens seem content to sue when even the smallest thing goes wrong it is important to have the best protection possible. Don’t risk your career as a successful massage practitioner by not defending yourself through the purchase of insurance.
The best insurance for massage and bodywork will provide protection from professional inability, personal injury, general liability and products coverage. Most massage insurance plans in Massachusetts include coverage for at least $1 Million per occurrence and $2 Million aggregate. Hopefully a touch therapist will never require the use of their insurance policy; however, with its affordable price and excellent coverage, it is a no brainer to purchase. Most insurance companies will cover therapists who practice sports massage, baby massage, deep tissue massage, Swedish massage, medical massage and more.
Individuals interested in becoming a massage therapist in Massachusetts must be licensed by the state. In order to obtain a license, a person must be 18+ years old, have a GED/high school diploma, and 650+ hours of massage education from an accredited school. It is also recommended that candidates take a massage exam in the event that they move to another state, as many require them, or in the event that MA law changes. The initial cost of the license is $225, with a renewal fee of $150 annually. Additionally, practicing touch therapists are required to have a minimum of $1 million per occurrence liability insurance and $1 million in aggregate coverage. It is important to note that without insurance, one cannot practice massage therapy in Massachusetts.
Not only is massage therapy insurance an important defense for LMTs against former patients, but it is also a requirement of Massachusetts law. Compared to the cost and potential repercussions of being sued, paying a nominal fee for insurance coverage is a small price to pay.
Or click here to apply for insurance.
Number of credentialed practitioners in this state: 7,293
Phone: (617) 727-1747
Web Site: https://www.mass.gov/
Required Education: 650 hours
Written or Practical Exam: N/A
Exam Administered: N/A
Renewal Fee: $150/yr
CEUs Required: N/A