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Massage Therapy Student Liability Insurance
Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the “insured”) from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy.
Protecting Your Career Is Important
You should consider purchasing massage liability coverage when you enroll in massage therapy school and begin to practice on the public, as well as when you begin your career as a massage therapist and begin to practice professionally.
You can, of course, forgo any insurance and assume the entire risk. You can do this as long as you can be assured you will not suffer a major loss. However, since risk is impossible to predict, a better option is to pass any risks you feel would be detrimental to you, your massage business, and your family to an insurance carrier.
For $25 You Can Be Covered Worry Free And Have Access To:
Protect yourself in school & after. Get covered just before graduation for a full year of insurance at a reduced rate.
Key Things To Know:
Occurrence Form is the industry-preferred policy type over Claims Made because you are covered for any incident that occurred while your policy was in effect. We offer the Occurrence form Policy so that our customers can rest easy knowing they're protected even if their clients delay making a claim.
We offer individual limits, meaning your policy will protect you up to the amount listed on your policy. Every insured person will have their own coverage, and the claims that others make will not affect the individual coverage amount available. This is unlike shared limits where when the group shared limit is reached for the policy year, anyone who files a claim afterwards will not be covered under their individual limits.
This is the easiest company I have ever ...
This is the easiest company I have ever dealt with. Great experience and have been using them every since I have been a massage student:)
... I heard my client slip and fall ...
My appointment was going well when I heard my client slip and fall in the bathroom during my service. She twisted her ankle. I did not realize that I was being held responsible for this. I had to pay for her medical bills and pain and suffering. I was happy to find out that my policy with Insurance Plus covered it.
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School Policy Requirements
- 1Only students enrolled in their initial license or certification course for the profession selected as primary modality qualify for a student policy.
- 2If you are not a student on the effective date of coverage, all insurance is null and void and no claims will be paid.
- 3Our student policies will only cover the discipline you are in school for when your coverage begins.
- 4Student will be covered for 12 months after sign up date.
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Get a comprehensive Massage Magazine Insurance Plus student policy & the industry's best MBLEx study tool from Bamboo all for only $59.
Group Rates as low as $49/student.
Massage Therapy Student Liability Insurance FAQs
What is massage student liability insurance?
Student liability insurance is massage insurance for students pursuing a career in massage therapy. There are a number of types of liability insurance, from “trip and fall” coverage, malpractice insurance, to product liability protection. All of these types of liability can occur in a massage setting.
When does my career as a massage therapist start?
Your career as a Massage Therapist starts the day of your training. The Massage Therapy Student devotes a great deal of time, money, and energy to learning various modalities of massage in order to offer relief to their clients. Sports massage, deep tissue massage, acupressure, and Reiki are specialized techniques that require knowledge of anatomy and have become part of a successful therapist’s techniques.
Mistakes happen even under optimal conditions or after the best training. A client may be hard to please and no harm actually happened. All of these factors widen the scope of potential claims by clients.
Doesn’t my school cover me while I’m in training?
That may be true, but students need to check. Even some schools believe their students are covered by the school liability policy only to discover during a crisis that the student as an individual is not covered. It is suggested that students get a copy of the school’s policy and check it.
Additionally, if the school does include coverage for their students, it may be only applicable on site. If working on your curriculum while not on school grounds you may be at risk.
Can’t I just ask my clients to fill out a waiver giving up the right to file a claim?
You can have clients sign a waiver but it won’t necessarily protect you if you provide negligent services or otherwise acted outside the bounds of reasonable care. Your client may get legal advice that encourages the filing of a claim, even if a waiver was signed.
When am I eligible for coverage?
Massage Therapy Insurance for Students is available as soon as you are enrolled in a program and you are eligible for student rates as of that date. Massage Magazine Insurance Plus offers policies to students in a number of disciplines.
Is my massage student liability insurance coverage good anywhere in the US?
Yes, Massage Magazine Insurance Plus will cover you in all 50 states, provided you are following all state licensing or certification guidelines.
Why do I need massage student insurance?
Massage student liability insurances would cover an incident in which the client trips and falls while visiting the student for a massage.
The therapist could be sued if a client claims malpractice due to an injury received during treatment. In addition, a product such as a cream used during a massage might be claimed to have caused an allergic or other reaction in the client. Massage therapy is a “hands-on” profession and therapists must protect their practice with student massage insurance.
What is your first-year student rate?
The first-year student rate of $25 provides industry-preferred massage student liability insurance, along with some protections provided to professionals in the massage field. Students are insured for 12 months and are covered for $2 million of professional and general liability insurance. This also includes protections for rental damage, stolen equipment, and identity, as well as a free professional website and an industry newsletter.
Massage therapy insurance for students provided by Massage Magazine Insurance Plus was designed specifically for massage therapists. The policy is comprehensive, without any expensive add-ons needed later. It is competitively priced and saves students over 30% compared to competitors. There are no hidden membership fees.
What does occurrence form coverage mean for students?
Our program offers occurrence form coverage, which means that you will be protected even after your policy has expired, as long as your massage student liability insurance was in effect at the time the incident occurred.
It is critical to protect yourself as you begin your training.
What is the best way to protect yourself as a massage therapist in training?
The best way for massage students to protect themselves and the future of their practice is by investing in Massage Student Insurance with adequate coverage as soon as they enroll in a training program. Massage Magazine Insurance Plus offers affordable liability massage student insurance that covers students for on- and off-campus massage therapy sessions.
Why might a massage client sue a massage therapist student?
Massage therapy involves physical contact between the therapist and the client, which can be a recipe for misunderstanding and miscommunication. Perhaps the client requests a deep tissue massage and later claims injury from the therapy. Clients might fall on their way out the door and suffer an injury. A massage oil or cream might cause an allergic reaction to the client, something that might not show up until later.
I am studying mostly Reiki therapy. Will massage student liability insurance cover me?
Yes. Reiki and other forms of energy healing are among our covered modalities, so a student policy will cover you.
Does student massage insurance cover me after I’m finished with my training?
Yes! The student policy is in place for a full year from the initial effective date. If you buy the student policy July 15th and then graduate October 15th of the same year, then you are covered for 3 months as a student and 9 months as a professional.