Cheap Massage Insurance
With so much competition in the marketplace and the addition of discount massage insurance through associations, finding cheap massage insurance keeps getting easier. But our helpful readers are sharing their insurance buying tips below.
How cheap is cheap? You can pay as little as $150 per year. But make sure you read the fine print to make sure you have adequate coverage.
Do I even need Massage Liability Insurance?
If you are practicing massage regularly or if you have assets that you don't want to lose in a lengthy court battle (house, car, savings, etc.), you should definitely have massage insurance. Liability insurance protects you and any other parties named on the policy in the event that a client suffers an injury during the massage (or even partially as a result of receiving your massage). The important thing to remember is that it doesn't matter if it is true or not, if you get sued you are going to wish you had insurance.
What happens if I get Sued?
If you didn't have massage insurance you would have to defend yourself in court. You could expect legal bills to exceed tens of thousands of dollars. And if you lose the case, you will have to pay thousands more in damages. This would be enough to ruin most massage therapists.
But if you have even just a cheap massage insurance policy, the insurance company is obligated to defend you in court. They pay all the legal fees and any damages up to your policy limit. So it is always a good idea to have a business liability insurance policy with at least a $250,000 limit. Some states and provinces require much more like Ontario, Canada which requires a minimum of $2,000,000 in coverage. Of course, you should increase your coverage if you have significant assets to protect.
Am I covered by the Spa's Policy?
That's a difficult question to answer. If you are an independent contractor, then the spa's liability insurance policy is unlikely to cover you (it might only cover them).
However, if you are an employee you may be covered on their policy. Its a good idea to ask to see the policy details to be sure that you are covered. And remember, if you are going to train any clients privately and not through your employer, or if you train clients at multiple locations, you should buy a cheap massage insurance policy to protect you. This is a good idea even if you only see clients at work and they say you are insured. You can't be too safe in this circumstance.
Getting the Best Deal on Massage Insurance
The answer to this one should be obvious... you need to shop around if you want to find a good and cheap massage insurance policy. They exist but it sometimes takes some digging and some careful reading of the policy terms. To find out what to look for when buying massage insurance, see our next page.
What do you Know about Buying Massage Insurance?
Do you have a story about your massage insurance company? Did you get a good deal? Have you ever made a claim? Would you recommend your insurance company? Tell us about your experience buying massage liability insurance.
Massage Liability Insurance Discussions
See what other massage therapists are saying about their insurance company. Read, rate, and swap massage insurance buying tips.
Next Page: What to Look for when Buying Massage Insurance
Navigation Guide: Home Page / Cheap Massage Insurance