Massage Therapy Liability Insurance: Massage Therapy Offices Require More Than General LiabilityOne field of study that seems to attract more and more people is the field of massage therapy. Therefore, more and more coverage is needed to protect them as they do their job. Massage therapy liability insurance helps protect massage therapists whether they do their work in someone else's office, their own office, a spa, or their client's home. Massage therapy liability insurance follows the massage therapist wherever they go. It is as mobile as their therapy table. Coverage is afforded for many different techniques al on one policy. Some cover all the massage methods and include massage on animals. Massage therapy liability insurance protects your personal property, business property, reputation and allows you to continue doing hand-on therapy. It is an important protection you need in order to protect yourself and your business. If you don't cover yourself against claims that could arise against your company or your own work, you are open to lawsuits that will generally shut down your business and take away your license. Just because you have liability insurance for your business doesn't mean you are covered as a massage therapist. Most regular business liability won't cover you for mistakes made or negligence based on hands-on therapies. Massage therapy liability insurance is just for that purpose. It protects you because you put your hands on another person or animal. More suits arise when you have a job that puts you in that type of position. Without massage therapy liability insurance, you can be sued personally. The person suing you can get a hold of your future earnings and anything you might own personally and professionally. No insurance or not enough insurance leaves you wide open and vulnerable to attack. As a massage therapist, you want hands-on protection that provides liability insurance for massage therapists and other touch therapists along with premises liability coverage. This means your massage therapy liability insurance should cover any techniques you perform that address the soft tissues of the body. This is usually for palliative and stress management. Effleurage, tapotement, vibration, petrissage and friction should all be moves that are covered. Massage therapy liability insurance is that coverage that afford you protection at your place of work along with following you wherever you happen to practice massage therapy, even into your clients' homes. Always remember that regular liability coverage may protect your business from special circumstances arising out of just the act of running your business. The liability that goes with it could protect you if someone steps into your office and trips on the floor mat by the door. You need massage therapy liability insurance if you plan to do massage therapy to other human beings because you want to be protected for those things as well. |