What is massage therapist insurance?
Massage therapist insurance is not one policy, but an insurance package that includes a range of individual insurance policies that provide financial protection for your business – for example, against accidents or injuries to clients caused by your business activities or on your premises. Or you might need cover to compensate you for loss, damage or theft of your stock and equipment.
While public liability insurance is not a legal requirement, it could be important whether you work from a salon or in clients’ homes. It provides financial cover for claims made against your business where your activities cause injury, illness or death to a third party, or for when a person’s property is lost or damaged as a result of your work.
Professional indemnity insurance for massage therapists – sometimes called professional or treatment liability insurance – can provide protection against claims of negligence or malpractice during close-contact treatments, covering legal costs and expenses, as well as compensation that may be awarded to your client. For example, if a client suffers an injury as a direct result of your massage services or aftercare advice, professional indemnity may offer your business financial protection.
You might also consider product liability insurance if you’re recommending, using or selling products, including giving away free samples. It can cover the cost of compensation owed to clients in the event that a product turns out to be faulty and causes illness or injury. Be aware that issues caused by your products may not be covered if you made them yourself.
Finally, both mobile and salon-based massage therapists may want to consider personal accident insurance, which can ensure you and your dependants are covered financially if an accident puts you out of action for any length of time, or even in the event of your death.