Whether you practice touch therapy in a massage clinic, spa, hospital or home setting, massage liability insurance is essential to securing peace of mind and professional status among massage therapists and bodyworkers. For those practitioners of healing touch who work from home, it can be especially important to sign up for solid massage liability insurance, for you are the sole person responsible for your business and your clients when they come to your home.
With the right massage liability insurance policy, you will be protected from a variety of possible scenarios that could come up before, during or after a massage or bodywork session at your home. For one, your professional liability insurance should protect and cover you against any claims of malpractice, which basically translates to any client injuries due to a lack of skill on your part. General massage liability insurance also should protect and cover you in the case of any client injury that might occur on your property, such as a slip on an icy driveway or a fall down a flight of stairs.
Another aspect of your home-based massage or bodywork business that should be covered by massage liability insurance is the protection of property, in that any lost or stolen equipment would be covered.
In addition, massage liability insurance also typically covers any damage or injury to clients caused by certain products used in the session room, such as a particular massage lubricant or hot stones. As you can see, even for those touch therapists who make a living out of their own homes, signing up for massage liability insurance is a very smart move. For a reasonable annual fee, these professional practitioners can work with greater confidence, knowing they are covered for those "just in case" moments.
Of course, massage liability insurance is crucial beyond the home-based massage or bodywork business as well. The same benefits listed above can apply to those touch therapists working in a variety of other practice settings, such as a large-scale massage clinic, spa, doctor's office or even on-site with a massage chair.
If you are employed to provide massage therapy or bodywork to clients at a specific site, check with your employer to find out what kind of liability insurance is in place to protect you specifically against any possible claims of damage or injury. If you are not completely covered under the company's umbrella policy, then securing your own massage liability insurance is a good plan.
One of the main differences for those massage therapists and bodyworkers who are renting a space for their practice, versus those who practice from home, is that massage liability insurance should cover these practitioners for any potential damage done to the rented space.
Take the time to look into the big benefits of enrolling in a massage liability insurance program that will make sure you're taken care of, no matter where you practice your hands-on profession.
