Massage Therapist Insurance
Massage therapists practice in a variety of settings and provide treatment for people needing physical rehab or simple relaxation to improve their overall wellness. Massage therapists could work in hospitals, rehab clinics, spas, and more to provide relief and improve the patient’s health. Massage therapists help patients reduce muscle tension and spasms, reduce stress hormones, stimulate the lymphatic system, and increase joint mobility and flexibility.
Message therapy is often beneficial by reducing the symptoms in chronic illnesses and pain, sleep disorders, stress-related tensions, high blood pressure, and more. The need for massage therapists has been growing each year.
It’s true that getting a massage is one of the favorite ways for people to relax. However, as with any health practitioner, there is always an element of risk included in helping another person manage their physical health and wellbeing. Patients could get injured, their conditions could worsen, or something else could result in a liability or litigation case.
There are various massage therapists that provide different types of massage therapy to patients:
- Aromatherapy massage therapy
- Deep tissue massage therapy
- Hot stone massage therapy
- Prenatal massage therapy
- Sports massage therapy
- Thai massage therapy
- Myofascial massage therapy
- Craniosacral massage therapy
Although you try to avoid them as much as possible by taking many precautions, accidents and mishaps can still happen. When they do, the resulting repercussions could be costly. In some cases, your massage therapy business could even be shut down from the financial loss and damages that occur.
Fortunately, ALIGNED has got your back when it comes to protecting you and your business with the right insurance plan. We offer comprehensive massage therapist insurance coverage options that can help you reduce financial loss and mitigate risk. Rest assured that you and your business stay protected against litigation and liability.
Why is Massage Therapist Insurance Important?
All health practitioners face risks in their jobs. When you’re directly responsible for the health and well being of patients, any wrong moves could leave them severely injured which results in costly lawsuits. Some of the risks you could face as a massage therapist include:
- A patient has been severely injured because of your services and files a lawsuit.
- A patient that needs physical rehab doesn’t improve in their condition or their condition worsens and brings a suit against you.
- A customer slips, falls and injures themselves while getting changed for their treatment.
- Water damage from a backed up toilet damages walls, equipment and furniture all of which needs to be cleaned up and replaced.
Any risk could result in costly repercussions that could potentially shut down your business. But with the right massage therapist insurance from ALIGNED, you can rest assured that you and your business stay protected against lawsuits and liability.
What Does Massage Therapist Insurance Include?
Commercial General Liability Insurance – Also known as CGL insurance, commercial general liability insurance covers bodily injury and property damage clients suffer from the services you provide.
Professional Liability Insurance – Even the best massage therapists make mistakes. If your mistakes cause clients to not get the results you promised or they claim misconduct and errors, there could be lawsuits. Professional liability insurance covers situations where your mistakes/treatments cause financial loss/damages.
Common types of negligence claims that are generally covered with professional liability insurance include:
- Failure to attend to a patient properly
- Failure to provide a diagnosis or an accurate diagnosis
- Failure in referral or consultation
- Failure to protect or warn third parties
- Failure to provide services to the degree promised
Cyber Liability Insurance – This is important because you likely store sensitive patient information in online databases, such as medical records and payments records. It can cover claims of copyright, loss of information, data breaches, defamation accusations, etc.
Commercial Property Insurance – You likely own a clinic or have a commercial property in order to operate. There are risks of damage to your commercial property and equipment. If a fire or theft results in losses and damages to your assets, commercial property insurance can provide compensation for repairs and replacements.
What is massage therapy liability insurance?
Massage Therapy Liability Insurance is an insurance policy package that is tailored specifically to massage therapists to cover them from potential risks associated with operating a massage therapy practice. This insurance coverage applies to all different types of massage therapists, whether they are RMTs, reflexologists, sports massage therapists, or practitioners of a specific type of treatment like Swedish or deep tissue massage.
Massage therapists provide a relaxing and therapeutic experience for their clients, but there are risks associated with body treatments and practitioners have to protect both themselves and their business with the right massage therapy liability insurance.
Why Do I Need Massage Liability Insurance?
As dedicated wellness practitioners, massage therapists are focused on healing their clients’ bodies. But there is always a possibility for something to go during the course of treatment that could cause the therapist to be liable for injury or losses. Massage Liability Insurance is designed to protect massage therapists financially from the risks associated with operating in this field. With the right insurance protection, practitioners are not obliged to pay out of pocket for any claims made against them.
What are the Benefits of Having Professional Massage Liability Insurance?
There are many benefits of having Professional Massage Liability Insurance, not the least of which is peace of mind. You can operate knowing that you and your business are protected in the unlikely event that something goes wrong during the course of treatment. You can continue to operate your practice helping clients without the worry that you may lose your business.
Having Massage Liability Insurance tailored to your business also gives your clients the peace of mind of knowing that you are a professional operating in this field.
Is Insurance Mandatory For Massage Therapists in Canada?
If you are a Registered Massage Therapist in Canada, you are required to have proper Massage Liability Insurance by your provincial body. Additionally, massage therapists are regulated in British Columbia, Ontario and Newfoundland and Labrador. Even if you are not provincially required to hold massage therapist insurance, you should do so in order to protect both yourself, your clients and your business from potential claims made against you.
Find the Right Massage Therapist Insurance from ALIGNED
ALIGNED works with Canada’s top insurance companies to provide custom insurance packages at affordable prices. Click Here To Get A Quote or contact one of our business insurance experts for information or with any questions you may have.