One of the ancient methods used for healing is massage therapy. It can help in treating different types of illness. Massage therapists will use different types of techniques in manipulating the muscles, so the pain can be relieved. Some of these techniques include Shiatsu, Chinese foot massage, deep tissue massage, aromatherapy massage, sports massage, and others. Each of these techniques has its own unique benefits.
It seems that freelance or mobile massage therapy is a low-risk type of business. However, claims that are associated with massage treatment have continued to rise. Some of your clients may claim that it has a hostile effect, or it made their pre-existing condition worse. When this happens, you will be facing legal proceedings. Hence, it is significant that you should have the right massage insurance that can protect your massage therapy business.
As a massage therapist, you will be dealing with different types of clients each day. Obviously, your main concern would be protecting their health and wellbeing. But accidents can happen anytime. Even how much you’ve tried to do everything right, there is still a possibility that you will be sued by your clients due to malpractice. Aside from paying the legal fees, you will also be paying the compensation claims. That is why it is very important that your business must be protected in the event that something might happen and you will be held responsible.
What type of massage insurance cover do you need?
There are different types of insurance covers that are available for massage therapists. Two of the most important covers that you need to take out are public liability and professional indemnity insurance. Both of these policies can provide you with comprehensive protection in case you need to defend yourself against any allegations of professional negligence. For instance, clients might claim that you provided them with poor treatment. If you will be unsuccessful in your legal battle, then you will be responsible for paying the damages.
If you have public liability and professional indemnity insurance, then it can cover the legal costs as well as any other expenses incurred while defending your business. This policy can also cover if somebody gets injured of their property was damaged while you are running your business.
For instance, your client might claim that after you gave them a full body massage, their back hurts and as a result, they were not able to work for several days. Another scenario would be when your client suffered from an allergic reaction due to the oil that you use for massaging. As a result, the client was hospitalized and filed for legal action against you. Your insurance can cover for its compensation.
Since massage therapists generally get in physical contact with their clients, then this policy is something that they should consider.
Employer’s Liability Insurance
Another important cover for your massage therapy business is an employer’s liability insurance. This can pay for claims filed by your employees due to the injury or illness that they acquire while working in your business.
For instance, your employee slips on a wet floor on your premises and injured themselves. They take legal action against your company because they were unable to work due to the injury.
Personal Accident Insurance
Having personal accident insurance can protect your business in the event that you or any key employees of your business was seriously injured and unable to work. The sudden disappearance of any key member of your staff can create a damaging effect on your business. Having this cover can protect your business against financial loss by paying you a lump sum or weekly amount to pay for your expenses.
Whether you are running your business on your home or an office, you need the coverage of office insurance. This can cover the cost of repair or replacement of your business equipment, in the event that it was lost, stolen, or damaged.
If you are operating your business on your own premises, then office insurance can cover your office buildings as well as its contents.
Business Interruption Insurance
In case you were not able to operate your business due to an unexpected interruption, then this can cover the financial losses of your company.
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