Massage Insurance: Therapists – Are You Covered?

As a massage therapist, do you have massage insurance?  If you do, is it sufficient?  One of the first massage business set up steps is getting massage insurance.

Therapists: what should you ask massage insurance providers

When you are there shopping around for massage insurance, create a list of all the providers you plan on talking to and ask each provider these questions.

  • Are you covered away from your business? As a mobile massage therapist?
  • Does the massage insurance policy cover your massage modality?
  • Make sure to ask if the massage insurance policy cover:
    • Professional liability
    • Advertising liability (libel, slander, copyright infringement, etc.)
    • Personal injury liability
    • Product liability
    • Premises liability
    • Property damage
    • Sexual harassment / abuse / assault (if covered, usually coverage amounts are lower).
  • What is the deductible amount, if any?
  • Does the massage insurance cover legal fees if someone sues you
  • What is the time frame for the claims? Just know that some insurance policies may not cover you if you take too long in reporting a claim.
  • Does the policy show any exclusions? There should be an exclusion section in the policy
  • What is the annual premium?  Do they have part time premium rates for part time therapists?
  • Are there any discounts through any of your associations that you’re a member with?
  • Does the policy cover your employees or independent massage therapists who might work at your massage therapy center?
  • What is the maximum amount of coverage per claim?
  • What is aggregate annual claim coverage?

Massage Therapist insurance providers

Luckily there are a handful of massage therapy insurance providers to choose from.

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Most massage therapist insurance providers have at least $2 million of coverage per claim and at least $5 million in aggregate coverage per year.  Aggregate coverage per year means you’re covered up to the max amount for all individual incidents.

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