Don’t compromise on MT liability insurance
When it comes to choosing the right massage therapy liability insurance for you and your practice, there are some variables that are flexible and others that should not be compromised. Knowing what you must have in a massage therapy liability insurance policy can help guide you toward the best overall package and ensure you get the most benefit from this annual investment.
The main thing you need to keep in mind is that the core purpose of massage therapy liability insurance is to protect you and your practice from the possibility of a legal claim at some point in the future. In order to provide such protection, your massage therapy liability insurance policy should offer three key forms of coverage—general liability coverage, professional liability coverage and product liability coverage.
These three pieces of liability protection are the three aspects of massage therapy liability insurance that you need to make sure are included in any policy you purchase, so you know you are getting thorough coverage against the various types of legal claims that could befall a professional massage therapist or bodyworker.
With general liability coverage, your massage therapy liability insurance will be providing financial support and protection in cases where a legal claim comes about due to an accident that takes place on the property of your practice or inside your session room. This piece of massage therapy liability insurance is also known as trip and fall insurance.
With professional liability coverage, your massage therapy liability insurance will be providing financial support and protection in cases where a client claims damage or injury due to a lack of skill or competence on your part as the professional massage therapist or bodyworker. For example, if a client believes some technique you used on him or her exacerbated an existing condition or caused some kind of harm or suffering, that client may decide to file a claim against you for the damages. This piece of massage therapy liability insurance is also known as malpractice insurance.
As for product liability coverage, this component of massage therapy liability insurance is designed to offer the same kind of financial support and protection in those instances where a client may believe that he or she suffered some kind of harm or injury due to a specific product used in your practice, such as a certain massage lubricant, hot stones or essential oils.
Choosing the right massage therapists liability insurance starts with finding those policies that offer all three of these key forms of liability coverage. From there, you can begin to compare the variables that are a bit more flexible, such as price and any added benefits that are included in your massage liability package.
For example, you may be able to find massage therapy liability insurance that not only provides all three core forms of coverage, but also provides identity theft protection, rental damage coverage and even reimbursement for lost or stolen work equipment. On top of these extra benefits, your massage therapy liability insurance might come with business perks, such as newsletter or Web sites templates.
About the Author
Massage Magazine Insurance Plus (MMIP) is a national insurance provider offering licensed massage therapists comprehensive Massage insurance Coverage and practice support. MMIP competes effectively for clients on two fronts, while providing the best value to the practicing massage therapy insurance; MMIP's liability insurance package is the most comprehensive in the massage and bodywork industry. By focusing our liability insurance exclusively on the massage therapist, we are able to provide a personalized experience and a comprehensive plan of member benefits.
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