Do You Need Massage Therapy Liability Insurance?
If you are in the massage therapy business, then you must greatly consider getting massage therapy liability insurance. As it is with any other business, it is essential to get insured to enjoy the benefits and protection that are offered by the selected insurance carrier. This is because no one can tell what can happen in the future, and if things do not turn out for the better, then insurance will be there to give you assistance.
It would not be wise idea for you not to get an insurance coverage. Being a massage therapist can be a risky job. You will never know what the clients may complain about, which could be subjects of lawsuit. Lawsuits are never pretty, but the coverage of massage therapy liability insurance can help you get through the ordeal.
Benefits for Massage Therapists
An insurance policy is sure to give massage therapists an advantage when problems arise and difficulties are on the way. Different carriers have different offerings, so it is up to you to make a decision based on your needs and requirements. Generally speaking, the carriers should have policies for malpractice and product liability.
If you are a member of the International Massage Association, you can enjoy additional benefits, such as insurance coverage in the modalities that you practice, which is also known as member liability insurance. Some of the common modalities that are part of this are aromatherapy, color therapy, reflexology, tai chi, yoga, and others. For massage therapy, some of the techniques that can be covered are acupressure, cranio-sacral, deep muscle, lymph drainage, myotherapy, neuromuscular, pain relief, prenatal massage, stress relief, and many more.
The Cost and Components
Having the different bodywork modalities insured is subjected to different fees. The cost of massage therapy liability insurance may vary, and in this regard, one is likely to get what he pays for. A membership in the IMA Group might allow you to lower the cost of membership fees. Just remember not to withhold just because of the cost. There is always a reason for a more expensive insurance, which could be a wider coverage or a comprehensive support group.
In the case of estheticians, the terms may vary, such as a higher membership fee or different areas of coverage. This can be attributed to the higher risk that is involved in the line of business of estheticians.
The cost depends on the components that make up the insurance. Some of these can be professional liability, commercial liability, product liability, personal injury, damage to premises, and others. For further protection, you should take the time to study the whole coverage, including the subcomponents, options, limitations, and others. This will allow you to find the right insurance for you.
There could be a little fuss regarding the application for massage therapy liability insurance, such as meeting the requirements and qualifications. All the effort that is expended in this regard is definitely worth it. You might not need it now, but it will be a necessity in the future.