Why do I need massage insurance?
Though many types of insurance cover are not compulsory for a massage therapist, most industry bodies will not allow membership unless you hold valid insurance.
Massage insurance gives therapists great peace of mind. Though you’re fully qualified and may have years of experience under your belt, sometimes incidents occur unexpectedly. You may unintentionally exacerbate an existing injury or condition, or your client may react adversely to a carrier or essential oil used during your treatment. If they make a claim for illness or injury and you are found liable, you will be left to shoulder the financial burden unless you hold the right insurance cover.
Whether you’re working within premises or visiting clients at home, you could face third-party claims for injury or personal property damage. You could receive an injury claim from a client who slips and falls on spilled massage oil or from a homeowner if you accidentally break a family heirloom while carrying your portable massage table through their home.
Should your therapy equipment be damaged, lost, or stolen, your earnings may halt while you source replacements and, without cover, you’re left shouldering the associated costs.
If you injure yourself and are physically unable to perform massages, again, your earnings could halt, and you’re left financially vulnerable without the appropriate insurance safety net.
Many massage therapists work as sole traders, and such scenarios could quickly spell disaster for a small business, so it’s wise to protect all your hard work with the right massage liability insurance.
How much does it cost?
Standard massage insurance is generally very affordable, allowing for a money-saving annual payment. Though certain massage therapies that centre around musculoskeletal injuries may require a slightly more expensive sports massage therapist insurance policy, the costs still pale in comparison to the burden of legal fees and compensation in the event of a claim.
Massage therapists will be asked about the type(s) of massage they offer, their level of qualification, where they work if they hire staff, and whether they own multiple therapy establishments.
If you are a massage therapist in training and want insurance for your case studies, or if you’re a tutor who trains students in massage, a policy can be tailored to offer the protection you need. It’s important to note that a standard policy may not provide the right level of cover for these scenarios.
Park Insurance is passionate about supporting small businesses. With over three decades of experience in creating bespoke specialist insurance policies, we’re well-placed to offer your massage therapy business the protection it deserves. Get in touch today to see how we can help.