Ohio Massage Liability Insurance Guidelines
Ohio treats its massage therapists (MTs) with respect, being the first state to legally register the profession almost a hundred years ago, in 1916. Like all professions, therapeutic massage has some inherent risks which are further magnified by the intimate nature of the job. If you are a practicing massage practitioner, a lawsuit for injury, damage or misconduct is the sword of Damocles hanging over your head. Getting massage liability insurance is an indispensable method of protecting your income and public image.
What Does MT Liability Insurance Cover?
Insurance for massage is broken down into two broad categories- professional liability insurance and general liability insurance.
Professional liability insurance safeguards you from the cost of fighting and paying lawsuits that a disgruntled customer may file against you claiming bodily injury or damage as a result of something you did. General liability insurance is a general-purpose insurance that safeguards from any damages incurred by slip and fall kinds of accidents. Knowing that you have a way of paying for any unwelcome lawsuits can mean the difference between having a steady income source or being forced to file bankruptcy from fighting a lawsuit filed against you.
Pre-requisites and Cost of Insurance for Professional Massage Therapists and Bodyworkers
To start with, all of them will ask for your massage license. This license is issued by the Government of Ohio on passing the MBLEx (Massage and Bodywork Licensing Exam) conducted by the Federation State Massage Therapy Boards.
Different providers demand different additional requirements, getting stricter as the claim limits increase. Ideally, most providers will ask for 500 hours or 4 years’ worth of CEUs (Continuing Education Hours) of course work. Additional requirements include hours spent practicing massage therapy professionally. Insurance coverage can be bought by both practicing therapists as well as students. The cost ranges between $99 and $235 per year for professionals and $25 and $77 for students. The claim limits can run into millions of dollars per occurrence.
Can Liability Insurance for MTs Cover be Extended?
Yes, it may be extended to include additional insureds, depending on the company. Some companies may provide coverage for rental damage, property damage, equipment damage, advertising damage and even fire damage.
An massage professional can be vexed about the inherent risks of their profession even as he/she works on alleviating someone else’s stress. Getting massage liability insurance will help you protect your income and public image from unwelcome changes. If you are still practicing massage without liability coverage or if your coverage is insufficient or due for renewal, speak to an insurance provider today.
Or click here to apply for insurance.
Number of credentialed practitioners in this state: 13,063
Phone: (614) 466-3934
Web Site: http://www.med.ohio.gov
Required Education: 750 hours, and a minimum of 9 months of schooling
Written or Practical Exam: Written
Exam Administered: State exam; however, effective Jan. 1, 2012, the State Medical Board of Ohio will only accept the MBLEx as an approved licensing exam.
Renewal Fee: $50 every 2 years
CEUs Required: 0