When people are experiencing strained backs, tense muscles, and knotty shoulders, if they’re looking for a permanent solution, they will most likely end up on your massage table. As a massage therapist, you play a significant role in relieving all these aches and pains. But sometimes, bad things may happen to your patients, your workplace, and you, which could happen during your work or even before and after.
Your hands are your golden goose and protecting them, your business and your clients is a priority. The only way to do this is by getting a massage insurance, and there are some things that you should know to get the best massage insurance.
1. Know what massage therapy insurance entails
From the name, it may seem obvious that this kind of coverage is meant to cover a massage practice. However, you need to know what such a policy covers specific actualities or events. A good plan should include your business, your clients, and yourself from any unexpected accidents as well as injury.
Therefore, it should ensure that your business remains reputable and established despite any unfortunate events.
2. Know why you need the policy
Another tip that will aid in getting you the best plan is knowing why you need the cover. Every time a client lies on your massage bed, you’re liable for any injuries that may occur. If you don’t have a cover, you may suffer a reputation loss. Because many clients depend on referrals, a single bad mistake could mean your business’ downfall. Without insurance, you could also experience a financial loss in case you’re hit with a personal injury or malpractice lawsuit.
Apart from you and your business, an insurance cover will also protect your clients. The patient would be aware of what your service covers and what he is responsible for. Therefore, your patient is in a better position when they are assured that their well-being is a priority.
3. What covers does your business require?
There are mainly 3 different types of covers that you may need as a massage therapist. They are general liability, business property liability, and professional liability. The public liability offers you a cover for any accidents that may occur before the treatment, or even afterward. For instance, if a client is walking away from the massage table and she trips over a cord, she could sue you. This policy will, therefore, cover her injury claim.
In the case of professional liability, you’re offered coverage for the actual massage therapy that you provide. For instance, in case you use a hot stone on a client, and it burns their skin, you may be sued for malpractice. The massage insurance will cover such a claim. A business property liability cover protects your business assets and furnishings. For instance, if a candle sets fire to draping and, consequently, your office, this cover will help you recover from such an accident.
When you have a good grasp of these tips, you will be able to get a policy that is best tailored for your practice. This way, you can stop worrying about the security aspect, and focus on giving your clients exceptional services.