Imagine a client filing a claim against you for some sort of damage or injury incurred in your session room or on the property of your practice. It is a scenario no professional massage therapist or bodyworker wants to think about or perhaps even believes to be possible. However, it is important that every professional touch therapist takes the time to consider the very nature of working with the publicâ€"and the unwanted possibilities this work can bring. There is no negativity or exaggeration involved in being aware that as a person in business with members of the public, there is a certain level of liability. This is a basic fact, and it is the reason liability insurance exists. Even if it were legal, it would be silly to forgo automobile insurance because you believe you will never get into an accident. In much the same way, it is not wise to forgo liability insurance if you are a practicing massage therapist or bodyworker, simply because you believe no client will ever make a claim of damage or injury, and nothing bad will ever happen to your property or equipment. The beauty of professional liability insurance is that you sign up for it and then move on with your life. For an incredibly fair annual feeâ€"typically less than $200â€"you can have peace of mind and stop thinking about the â€what ifs†of accidents or unexpected client complaints. Your mind will be free to focus on the healing aspects of the massage and bodywork business. With a high quality massage therapy liability insurance policy, you will get a full umbrella of coverage and protection for a variety of scenarios for which one must always be prepared. For example, the general liability insurance portion of the professional liability insurance policy will be in place to cover you in case someone has an accident on your property, such as slipping on ice in the parking lot or a wet floor that has just been mopped. A solid massage therapy liability insurance program also will provide protection for in a hard too imagine instance of a client filing suit against you for damage or injury. The malpractice coverage will be there in case the client claims the damage is due to incompetence or lack of skill. The product liability coverage will be there in case the client claims the damage came from a product you used on him or her in the session room, such as hot rocks or a particular lubricant. Along with these crucial components of professional massage therapy liability insurance, you should be able to find a policy that offers even more. For instance, a top notch program should offer reimbursement for lost or stolen work equipment. It also should afford coverage in case any damage is done to your practice space on accident, such as a hole in the wall while moving around your massage table. Although the endless reasons why a massage therapist or bodyworker needs to get liability insurance are no fun to think about, they are indeed a part of the reality of running a professional practice. Sign up for a solid massage therapy liability insurance program, and you can ease your mind.
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