Benefits of Carrying Massage Liability Insurance for Professionals?

 

You work as a healthcare practitioner. Many massage therapists are, in fact, licenced by their state's department of health. We promote ourselves as wellness providers, and for many of our clients, we may be their sole source of care. Massage Liability Insurance for Professionals, which includes medical malpractice, is essential to have.

As a condition of being licenced in a certain country or internationally, you must carry Massage Liability Insurance for Professionals. You may be asked to show proof of liability insurance in some places of business. They may even demand that you add them to your insurance as an additional insured. It is always a smart idea to protect yourself even if you are not obligated to retain this coverage.

You could be sued if a customer slips and falls in your office; if a client is injured while getting off your table, you could be held liable for their medical bills and lost income; and what if a client has an allergic reaction to an oil or lotion? Even if we try our hardest to treat our customers and would never do anything purposefully incorrect, if your work injures a client or aggravates a pre-existing injury, you could be held liable for medical malpractice. Even a tiny mishap can be costly.

You're taking a major risk if you don't have massage association membership and insurance. A single allegation might jeopardise your employment, damage your finances, and ruin your reputation.

If you have professional membership services for natural therapies, however, your insurance carrier will cover your attorney's fees, charges, and even settle your claim if you are sued. You could face a judgement against you if you don't have this insurance, and you'll be accountable for the injured parties' medical bills, lost wage claims, and legal fees.

What You Should Look in the Policy?

Look for a policy that covers malpractice, general liability (slip/trip and fall), and product liability (in the event of an adverse reaction to an oil or lotion.) This form of coverage is usually included in most policies.

A massage therapist's liability limits will most likely be $1 or $2 million per occurrence, which is the maximum amount a provider will pay out on a single claim, and $1 to $3 million per individual annual aggregate, which is the maximum amount a provider will pay out for all claims during a policy year, regardless of how many claims are filed. Make sure you know if your coverage is a "claims-made" or an "event" policy.