Why Does the Massage Therapy office need insurance?
There are three main types of insurance that massage therapists need: general liability, professional liability, and business property liability.
- General liability: Coverage for any accidents that occur before or after treatment.
- Professional liability: The most basic form of personal protection from lawsuits.
- Business property liability: Protection for your furnishings and assets.
Liability insurance provides protection against claims resulting from injuries and damage to people and/or property. Liability insurance covers legal costs and payouts for which the insured party would be found liable. Provisions not covered include Intentional damage, contractual liabilities, and criminal prosecution.
While you may think that having your license is all you need to practice massage, it is also important to make sure you are covered with massage insurance in the case of an unexpected liability, such as a client becoming injured, or damage to property other than your own as a result of something you may or may not have done.
If you work for someone else, not only do many employers require you to have liability insurance before they allow you to work, it’s always good to be prepared for the worst-case scenario by being covered.
Having professional liability insurance coverage gives you the peace of mind that you will be protected in your day-to-day massage practice.
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