Reduce risk with MT liability insurance
Betting on the odds may be a fun thing to do when you are in but taking a gamble with your career and your business assets is not nearly as entertaining—and it is certainly not wise. However, massage therapist and bodyworkers across the country risk their professional assets every day they go without massage therapy liability insurance.
The odds may not be high that a client could some day file a claim against your for damage or injury suffered in your session room or on the property of your practice, but there is still a chance that this could happen, and it is a chance no savvy business person should take.
Considering how inexpensive it is to purchase a thorough massage therapy liability insurance policy, there is no reason to skip this step in setting up your massage therapy or bodywork business. It is possible to secure a high quality massage therapy liability insurance policies for less than a couple hundred dollars per year.
When you compare this minimal fee, which often can be deducted on your taxes, with the major supply of peace of mind you can get for the price, it is easy to see why professional practitioners are smart to purchase massage therapists insurance. Of course, the main reason to secure massage therapy liability insurance is to make sure you are protected in case a client does file a claim against you and your practice.
One of the most common reasons that businesses of all kinds possess liability insurance is simply to protect their assets in case a customer or client has an accident on the property of the business. This could be a slip on a wet floor in the grocery store or a trip over a loose rug in the hallway of your massage therapy practice.
If a client does take a spill at your practice, even if there was nothing to cause the accident, you will want to know you are covered by massage therapy liability insurance. In the case of such an accident, the general liability portion of your policy would kick in to provide the necessary protection.
Besides giving you “slip and fall” insurance through the general liability coverage, the right massage therapy liability insurance policy also should provide protection against other possible occurrences, such as a malpractice claim. Generally, people tend to think of malpractice only when it comes to medical doctors, but this applies to massage therapist and bodyworkers as well.
Basically, a malpractice claim is based on a client who believes he or she was harmed due to a lack of skill or competence on your part. As a professional who physically works one on one with members of the public, it is always a good idea to have malpractice insurance, and this is an integral component of a massage insurance policy, along with the general liability insurance.
Save the , and protect your practice with massage therapy liability insurance.
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