{"id":2720,"date":"2022-03-10T11:12:30","date_gmt":"2022-03-10T11:12:30","guid":{"rendered":"https:\/\/www.insurancebee.com\/blog\/?p=2720"},"modified":"2023-02-08T09:41:48","modified_gmt":"2023-02-08T09:41:48","slug":"massage-therapists-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/massage-therapists-liability-insurance","title":{"rendered":"Why massage therapists need liability insurance"},"content":{"rendered":"\n<p><br><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2022\/02\/massage-therapists.png\" alt=\"Woman in white dress behind massage table illustration for why massage therapists need liability insurance\" class=\"wp-image-2644\" srcset=\"https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2022\/02\/massage-therapists.png 600w, https:\/\/www.insurancebee.com\/blog\/wp-content\/uploads\/2022\/02\/massage-therapists-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Massage therapists need liability insurance for several reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re not legal experts<\/li>\n\n\n\n<li>You don&#8217;t have bottomless bank accounts<\/li>\n\n\n\n<li>You have better things to do with your time than fighting a lawsuit. Like running your business.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>And unfortunately, in your line of work, there\u2019s always the risk of a legal claim.<br><\/p>\n\n\n\n<p>First, because you charge for your service, you can be sued for negligence. Even if you did nothing wrong.<\/p>\n\n\n\n<p>Secondly, you\u2019re \u2018hands-on\u2019 with your clients. This means sexual misconduct lawsuits are a potential hazard.<br><\/p>\n\n\n\n<p>And third,  careful you are, accidents happen. Damage someone\u2019s property, or cause them injury, and you could find yourself facing a claim for compensation.<\/p>\n\n\n\n<p><br>Without liability insurance, you\u2019ll have to deal with claims like these yourself.<\/p>\n\n\n\n<p><br>Unless you have legal training, you\u2019ll need a lawyer to defend you. Then you\u2019ll have fees to pay. And compensation, too, if the case doesn\u2019t go your way.<\/p>\n\n\n\n<p><br>But lawsuits don\u2019t just cost you money, they take up valuable time. They also cause stress. So why not think of your own health and wellbeing for once?<\/p>\n\n\n\n<p><br>If you find yourself facing a claim, liability insurance can hire you a defense attorney and pay your legal fees. It can also cover damages, too, if they\u2019re due.<\/p>\n\n\n\n<p><br>Massage therapy insurance. Think of it like a deep-tissue massage. A stress-buster that protects your bank balance, your time and, therefore, your business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Massage therapy liability insurance<\/h2>\n\n\n\n<p><br>Now, liability insurance isn\u2019t a \u2018one size fits all\u2019. There are different kinds of liability policies. Each one is designed to cover a specific set of risks your business faces.<\/p>\n\n\n\n<p><br>You knew that, right? (If you didn\u2019t, you might find <a href=\"https:\/\/www.insurancebee.com\/blog\/kinds-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">this blog post<\/a> useful.)<\/p>\n\n\n\n<p><br>As a massage therapist, you\u2019ll need two different types of liability insurance:<\/p>\n\n\n\n<p><br>\u2022 <a href=\"#general-liability\" target=\"_blank\" rel=\"noreferrer noopener\">General liability insurance<\/a> (to cover accidental injury and property damage)<br>\u2022 <a href=\"#professional-liability\" target=\"_blank\" rel=\"noreferrer noopener\">Professional liability insurance<\/a> (to cover mistakes and client complaints).<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"general-liability\">General liability insurance<br><\/h3>\n\n\n\n<p>For massage therapists, <a href=\"https:\/\/www.insurancebee.com\/blog\/kinds-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">general liability insurance<\/a> is essential. Whether you treat clients in your home, theirs, or at a health club or wellness center.<br><\/p>\n\n\n\n<p>It covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Claims you caused accidental damage to someone or their property. (That includes fire damage at premises you rent)<\/li>\n\n\n\n<li>The cost of medical treatment, legal defense fees, and compensation (regardless of fault)<\/li>\n\n\n\n<li>Claims made worldwide as long as they\u2019re lodged in the US or a US territory.<\/li>\n<\/ul>\n\n\n\n<p><br>You\u2019ll also get up to $250 a day to help with your expenses and lost earnings while a claim\u2019s being settled.<br><\/p>\n\n\n\n<p>Here are some examples of when your general liability policy would come into play:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">General liability claims scenarios<\/h3>\n\n\n\n<p><br><strong>Bodily injury<\/strong> &#8212; As he gets up from your massage table, a client leans on the headrest. The headrest snaps off and he hurts his arm trying to steady himself. He needs hospital treatment and time off work to recover.<\/p>\n\n\n\n<p><br>In this scenario, general liability insurance could take care of your client\u2019s medical bills and lost wages. If the case went to court, it could pay for your legal defense. And if you\u2019re found liable, it could also cover your client\u2019s legal fees and their compensation payment.<\/p>\n\n\n\n<p><br><strong>Personal injury<\/strong> \u2013 You\u2019re out to lunch with a friend and mention one of your clients (a particularly tricky one). It gets back to your client and she files a suit against you, claiming you portrayed her in an unflattering light.<\/p>\n\n\n\n<p><br>In this situation, your policy could hire you an attorney, pay legal fees, court costs, and compensation, if necessary.<\/p>\n\n\n\n<p><br><strong>Property damage<\/strong> \u2013 During a client\u2019s in-home massage you accidentally knock over a computer monitor, breaking it. The PC was expensive and your client expects you to buy her a new one.<\/p>\n\n\n\n<p><br>Your general liability insurance could pay to fix the damage. Or replace the PC if it\u2019s beyond repair.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"professional-liability\">Professional liability insurance <\/h3>\n\n\n\n<p><br>What general liability insurance doesn\u2019t cover, are claims resulting from your massage therapy. That\u2019s what a professional liability policy is for. A legal requirement for licensed massage therapists in some states, it\u2019s a must-have anyway. Why?<\/p>\n\n\n\n<p><br>Because, as you charge for your service, clients can sue you if they think you made a mistake or did something wrong. Even if the suit has no grounds.<\/p>\n\n\n\n<p><br>Regardless of fault, <a href=\"https:\/\/www.insurancebee.com\/professional-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">professional liability insurance<\/a> covers you for claims of:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bodily injury caused by your massage<\/li>\n\n\n\n<li>Negligence \u2013 making a mistake, giving the wrong advice, or not delivering what you promised<\/li>\n\n\n\n<li>Libel or slander<\/li>\n\n\n\n<li>Sexual misconduct and abuse.<\/li>\n<\/ul>\n\n\n\n<p><br>As well as an attorney to defend you and your legal fees paid, your policy can cover compensation, too, if you\u2019re at fault.<\/p>\n\n\n\n<p><br>But your coverage doesn\u2019t just stop there.<\/p>\n\n\n\n<p><br>A professional liability policy also covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accidental loss of client data<\/li>\n\n\n\n<li>Up to $25,000 towards an <a href=\"https:\/\/www.hhs.gov\/hipaa\/for-professionals\/privacy\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">HIPAA<\/a> fine<\/li>\n\n\n\n<li>Up to $5,000 should you find yourself facing disciplinary action.<\/li>\n<\/ul>\n\n\n\n<p><br>What\u2019s more, if you\u2019ve had continuous cover previously, you can make your policy retroactive. That way you\u2019ll be covered for claims made by clients you\u2019ve treated in the past, too.<\/p>\n\n\n\n<p><br>Here are some examples of when your professional liability policy would kick in:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Professional liability claims scenarios<\/h3>\n\n\n\n<p><br><strong>Bodily injury caused by your treatment<\/strong> \u2013 You perform a deep tissue massage on a client complaining of shoulder pain before treatment. During a shoulder stretch on the massage chair, he winces and asks you to stop. You do so, immediately.<\/p>\n\n\n\n<p><br>The next day, your client accuses you of causing a torn ligament in his shoulder. He needs surgery, he says, and is suing you to recoup the cost.<\/p>\n\n\n\n<p><br>In this situation, your professional liability policy could take care of the costs of such a claim. If the case goes to court, it\u2019ll hire you an attorney and pay your legal fees. And if it turns out compensation is due, it could cover that too.<\/p>\n\n\n\n<p><br><strong>Sexual misconduct and abuse<\/strong> \u2013 A new client comes to you for osteoarthritis treatment. You get consent, apply proper draping techniques and observe professional boundaries. But after a Swedish massage, she files a complaint saying you touched her inappropriately. It\u2019s caused her emotional distress and she\u2019s been forced to take time off work.<\/p>\n\n\n\n<p><br>In this instance, your policy could pay for an attorney to defend you, as well as legal fees and damages if they\u2019re due.<\/p>\n\n\n\n<p><br><strong>Loss of personal information<\/strong> \u2013 You misplace a file containing a client\u2019s medical history and financial details. The file falls into the wrong hands and your client\u2019s identity is stolen along with a large sum of money.<\/p>\n\n\n\n<p><br>Professional liability insurance can protect you from the cost if you get sued as a result.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">More massage therapy insurance<\/h2>\n\n\n\n<p><br>As well as liability insurance, there are a couple of other policies massage therapists need. It depends on the way you operate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Workers\u2019 compensation insurance<\/h3>\n\n\n\n<p>If you employ anyone (even if it\u2019s only one person) you need <a href=\"https:\/\/www.insurancebee.com\/workers-compensation-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">workers\u2019 compensation insurance<\/a>. Most states require it. It&#8217;s worth checking your state&#8217;s rules as fines can be steep.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Business personal property insurance<\/h3>\n\n\n\n<p><br>If you carry your massage equipment around with you between appointments, you\u2019ll want <a href=\"https:\/\/www.insurancebee.com\/general-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">business personal property insurance<\/a>. It covers your kit for loss, damage or theft. It also covers anything moveable you store at home. Everything from your massage table cart and hot stone heaters to your cushions and couch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Massage therapist insurance cost<\/h2>\n\n\n\n<p><br>Insurance costs vary from business to business. The price of your insurance package will depend on the size of your business and its location. It\u2019ll also be affected by the limits you choose.<\/p>\n\n\n\n<p><br>But to give you an idea, our professional liability insurance starts at $16.50 a month. Our general liability policies cost from $25.99.<\/p>\n\n\n\n<p><br>To find out more about massage therapist insurance, head to <a href=\"https:\/\/www.insurancebee.com\" target=\"_blank\" rel=\"noreferrer noopener\">our website<\/a>. Or call us at 978.344.4215 and we\u2019ll talk you through your options.<\/p>\n\n\n\n<p><br>If you\u2019re ready to get a quote, you can <a href=\"https:\/\/www.insurancebee.com\/getaquote\" target=\"_blank\" rel=\"noreferrer noopener\">get one online no<\/a>w. There\u2019s no-obligation and it\u2019ll only take a minute or two.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Massage therapists need liability insurance for several reasons: And unfortunately, in your line of work, there\u2019s always the risk of a legal claim. First, because you charge for your service, you can be sued for negligence. Even if you did &hellip; <a href=\"https:\/\/www.insurancebee.com\/blog\/massage-therapists-liability-insurance\">Read more&#8230;<\/a><\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[8,7],"class_list":["post-2720","post","type-post","status-publish","format-standard","hentry","category-small-business-insurance","tag-general-liability-insurance","tag-professional-liability-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Why massage therapists need liability insurance<\/title>\r\n<meta name=\"description\" content=\"Massage therapists liability insurance protects your bank balance, your work and your reputation. 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