Massage Therapist Liability Insurance
As a Massage Therapist, you provide an invaluable service. Healing, soothing and creating a relaxing environment for your clients is hard work. Yet, like any business, there is risk involved. Whether you offer services from home or own a clinic, Massage Therapy Liability Insurance is essential to the well-being of your business.
What is Massage Therapist Liability Insurance?
Think of Massage Therapist Liability Insurance as protection for your peace of mind. Mistakes happen and can disrupt the flow of your business in a matter of minutes. Professional Liability Insurance for Massage Therapists provides protectection against risks associated with the services you provide, including equipment- or treatment-related injuries.
What does Massage Therapy Liability Insurance cover?
At the very least, your comprehensive Massage Therapy Liability insurance policy should include:
General Massage Liability Insurance (a.k.a. Commerical General Liability Insurance) is the go-to Massage Liability Insurance that every massage therapist should have regardless of training or experience.
A general massage liability insurance policy protects massage therapists against third party claims that are non-professional in nature, such as a slip-and-fall injury.
Massage Therapist Malpractice Insurance is a type of Professional Liability Insurance for massage therapists.
Massage Therapy Malpractice Insurance protects massage therapists against claims related to professional activities, such as treatment-related injuries.
Talk to your broker about customizing your Massage Liability Insurance policy to include additional types of coverage.
Frequently Asked Questions
Massage Malpractice Insurance is a type of Professional Liability Insurance for massage therapsists. Due to the nature of your work, your treatment or advice to a client may lead to accidental bodily injuries, for which you could be liable.
No. If you conduct sessions from home, any accidents or damages resulting from your professional activities will not be covered by your home insurance. It is highly recommended that you have both General Massage Liability Insurance and Massage Malpractice Insurance. If you want to protect your own property from damages, talk to your broker about adding Commercial Property Insurance to your coverage.
Massage Therapy Liability Insurance provides coverage for employees of a business, but independent practitioners who are renting a space are not covered by the facility’s insurance policy. If you are an independent massage therapsit or work from home, you may consider purchasing Massage Therapist Liability Insurance to protect yourself from being held liable for injuries that happen during your sessions.
Yes. Massage Malpractice Insurance can protect you where a waiver won’t. Waivers are not always enforcable forms of protection in a court of law. For that reason, it is best to cover your bases and include a Massage Malpractice Insurance policy in your risk management strategy.
What does Massage Therapy Liability Insurance cost?
How much your Massage Therapist Liability Insurance policy costs depends on a number of factors, such as:
- Years of experience
- Level of education or training
- Types of services offered
We’ve partnered with Canada’s largest insurance companies to provide the most competitve Massage Therapy Liability Insurance rates for you.