What does massage insurance cover?
Massage insurance includes a large list of different coverage options; the two most common being general liability and professional liability. General liability is in place to protect you against losses that may arise from bodily injury to a client, or property damage as a result of an accident. Professional liability coverage protects you from the effects of a lawsuit if you end up being sued for malpractice.
While these two types of coverage are the most common in a massage insurance policy, some other important coverage options to note are:
Personal Injury Liability
This coverage will protect you in the unfortunate event of a lawsuit against you for any of the following: slander, libel, assault and battery, or other alleged personal injuries committed in regards to your services. An example of a situation that would be covered by this specific insurance policy is if a client were to make a false and/or damaging statement online about you, your business or any of your employees.
Tenant Legal Liability
This part of the policy will provide you coverage for losses or damages caused to any properties that you rent or lease. This specific coverage applies only to damages caused to the actual piece of property, such as the roof, floorboards or walls. However, there is also a separate coverage called “Contents Insurance” that will cover your personal belongings kept inside the property if damages were to occur.
This type of coverage is in place to protect you if are assaulted in any way at your workplace, or while going to and from your place of work. With this on your policy, you may be able to be reimbursed for up to $10,000 for medical expenses or property damages that you incur.
This will cover financial losses that you may become legally obligated to pay if you are involved in a lawsuit for an act, error or omission stemming from your failure to arrange and qualify suitable work for other massage therapists. An example of an event that would be covered by this type of insurance policy is if an employee of yours is found to be negligent or if there is a misrepresentation of their qualifications.
Defendant Expense Benefit
This specific policy will protect you in the event that your insurance provider or defence attorney requires you to attend any sort of trial, hearing or legal proceeding. Costs resulting from travelling, food, lodging, and even lost wages, will be reimbursed to you as a result of this policy.
Damage to Property of Others
This specific type of coverage is mostly tailored to massage professionals who provide their services at the residences or workplaces of others. If you are involved in an accident and damage someone’s property while on the job, your policy may cover the costs. An example of a situation that would be covered by this specific insurance policy is if you were to damage a client’s piece of furniture while performing a massage at their home.
Who is this policy good for?
The name of this policy brings the assumption that only massage therapists will benefit from its coverage. However, any type of professional within the health and wellness industry will find that this coverage is beneficial for their business. Some examples of other professionals this policy is good for can include:
- Acupuncture and Acupressure
- Aroma Therapy
- Naturopathic and Allergy Testing
- Chinese Medicines
- Any other Allied Healthcare Professionals
This coverage is also great for any students studying to get their license and eventually work within this industry. There are two levels of membership for students: basic student members and graduate student members. Student members will be covered for general liability purposes while participating in any school-sponsored activities. While graduate student members will be covered for the same general liability that working professionals are covered for.
In order to qualify for a graduate-level membership, applicants must:
- Have graduated from any massage therapy training program, in which they have completed a minimum of 500 hours of in-class training
- Have met all applicable local licensing requirements
How much does Massage Therapy Insurance cost?
Just like any other form of insurance policy, a number of different factors go into determining how much your premium rate will be. Factors to take into consideration can include the number of years you have been in business, your yearly revenue, the number of different services that your business offers and if you’ve ever filed a claim previously. Your employees are also a factor to be considered when figuring out your premium. If you work alone, your premium may be cheaper. However, if you have a large group of staff working for you, then your premium could increase.
In order to help you decide if this insurance policy is right for you, we have outlined a very general guideline on how much your premium could cost. This guideline includes factors such as your location and policy add-ons.
- For a general insurance package within Ontario, premiums will start at approximately $275
- For a general insurance package within any other province, premiums will start at approximately $250
- For a general insurance package with any sort of add-on policy, premiums will start at approximately $750
Tips to reduce the risk of an insurance claim
Clinic owners and massage therapists should follow some simple risk management strategies to minimize the chance of legal liability actions.
- Inspect and maintain all equipment (including massage chairs and tables) regularly to ensure a safe environment for both practitioner and patient
- Communicate effectively with new clients and returning ones to get a touch point on how they are feeling
- New patients usually feel apprehensive about what they’re getting into, so set their minds at ease. Even follow up with an after-session courtesy call to check in and see how they are doing and ask if they have any post session questions
- Ensure your clients’ personal information stays confidential. A breach of privacy can cause a practitioner both civil and criminal complications
- Keep accurate written records of all treatments and discussions – it will provide a level of professionalism and confidence to your clients
Why do I need Massage Insurance?
There are many reasons as to why a professional in this industry should invest in Massage Therapy Insurance. Other than the peace-of-mind that having this policy will bring, this coverage also brings a lot of financial benefits and protections. If you are legally obligated to pay money to another party as a result of professional liability, you will be covered by this policy. Without this coverage, the costs will have to be paid for out-of-pocket. This could bring financial harm to your business, and could end up being extremely detrimental.
Other than financial losses, your business could also suffer any other type of loss that you will have to find a solution for on your own. Things such as criminal negligence lawsuits, or acts of slander or libel against your services will have to be taken care of first-hand. With this policy, your insurance company will take care of the situation, and may also cover costs associated with the situation.
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