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As a massage therapist, you could be accused of medical negligence, false advertising, client injuries or even misconduct. Business insurance can cover the risks that are relevant to your massage therapy business. However, for the best protection, you might need several different types of coverage or an all-inclusive package tailored to the services you offer.
Yes, massage therapists should consider insurance because this therapy is considered a form of healthcare. Since clients are putting their physical care in your hands, you bear multiple risks to your business and reputation.
Those risks include liability for patients’ injuries, wrong advice, incorrect medications prescribed or claims of negligence. To avoid legal expenses, you can buy wide insurance protection for the daily risks of medical care.
As a massage therapist, you deal with the public, medical care and sometimes the responsibilities of a brick-and-mortar location. You’ll want to research multiple types of insurance for the best protection.
Consider a coverage that protects your career as a massage therapist:
Fill in the insurance gaps necessary for running a business:
Professional liability insurance protects your massage therapy career for medical advice given. However, insurance policies vary on which claims get covered, typically covering them under a claims-made policy. This means you’re covered for therapy patients’ claims that happened and are reported to your insurance during your policy term.
Sometimes, you can get coverage for damage that happens during the term even if it’s reported after the term ends. This coverage falls under an occurrence policy. In addition, claims-made policies may let you set a retroactive date to cover previous work if needed.
Joan owns a massage therapy clinic and performs many of the massages herself. She bought an insurance package with this coverage:
|Type of insurance||Amount of coverage|
|Professional liability||$2 million per claim, $4 million per policy term|
|General liability||$1 million per claim, $2 million per policy term|
|Product liability||$2 million per claim, $4 million per policy term|
|Medical malpractice liability||$2 million per claim, $4 million per policy term|
|Commercial property||$1 million for building, $500,000 for business personal property|
|Business interruption||Expenses covered up to 12 months or $1 million|
Aside from shopping for the best value, you can snag lower insurance premiums in several ways:
Massage therapy has its own set of risks specific to the industry. Those can include the danger of injuring your clients, giving out wrong advice or getting tagged with medical malpractice. To protect your career, you can look for the business insurance that covers your massage therapy business best.
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