New Jersey Massage Liability Insurance Guidelines
While NJ doesn’t have any insurance requirements for massage therapists, professional liability insurance is an important insurance to take up. Massage insurance provides relief from the financial burden that a mishap or accident can have on your massage practice. Even though most massage sessions go pretty smoothly, some unforeseen event could see you get hit by a lawsuit that may negatively impact your business or even leave you bankrupt.
Massage Therapy: License Requirements in NJ
To obtain a license to practice massage in NJ, you need to complete 500 hours of course curriculum approved by NJ Department of Labor and Workforce Development or the NJ Department of Education. The course covers subject areas such as physiology, anatomy, pathology, kinesiology, massage application, massage assessment, and business ethics. Once you have completed the course and passed the national exam, you can apply for certification by NJ Board of Massage and Bodywork Therapy. Certification must be renewed, and requires many years of continuing education.
The Importance of Insurance Coverage for Massage
So, you’ve completed your training and obtained the necessary certification and are ready to start a career as a massage therapist. But what do you need to start your own business? While it may be the last thing on your mind when setting up a massage business, getting insurance might turn out to be the best investment you ever made.
There are many unfortunate circumstances that could put your career on the line. For example, a client could slip and fall in your office or receive an injury while getting off your massage table. Such an occurrence may appear small, but it could cost you a lot. However, with a good massage therapist policy, you don’t have to worry about any financial loss and damage to your reputation that might befall you, as the insurance coverage will take care of any unforeseen events.
There are a number of provisions within various massage insurance plans that may be extremely helpful in certain unfortunate circumstances. Public liability coverage is one provision often included in the basic coverage. With this massage therapist insurance plan, you’re reimbursed for the expenses you incur in defending a lawsuit arising from accidental injury or property damage to clients, as well as members of the public, including slips and falls. A quality insurance program for MTs will also provide reimbursement for stolen goods, at least up to a certain amount.
Another type of insurance coverage is malpractice liability protection. Even though you will always do your best to help your clients and would never do the wrong thing intentionally, if your massage work causes a bodily injury to a client or aggravates a pre-existing condition, you could be sued for a medical malpractice claim. Don’t take a risk. Also, quality massage practitioner insurance programs will also help cover legal expenses arising from injury caused by products. For example, a client might develop an adverse reaction to massage oil, lotion, hot stone or any other product. Such a claim can cause financial devastation and ruin your reputation. The good news is that you can protect yourself in your practice against any potential liability with the right insurance.
Or click here to apply for insurance.
Number of credentialed practitioners in this state: 761
Phone: (973) 504-6430
Required Education: 500 hours
Written or Practical Exam: Written
Exam Administered: NCETMB or NCCAOM
Renewal Fee: $120 every 2 years
CEUs Required: 20 every 2 years