Massage insurance NOT necessary

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Massage insurance NOT necessary

by Jane
(Mansfield, MA)

I never purchased insurance, because when the topic came up at our massage school, one of the teachers let us know that it wasn't really, really necessary.

I guess depending on the type of massage you are doing, you can make an appropriate decision for yourself. In my case, unless I was thinking that it was possible that someday I would break someone's rib or something, there was no need for it.

I mostly would do Swedish massage, which is comforting. I have also done sports and deep tissue, but still, in no way would I endanger a person.

I think the insurance is unnecessary, and just another expense for the insurance companies to get rich.

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Well . . .
by: Anonymous

I am sorry but I can not agree with you. I have spoken with all my teachers that I had when I had gone to school and they couldn't stress enough the importance of having insurance. It is a safety precaution.
And as much as it may seem like the insurance companies are trying to make bank, there are companies that specifically tailor to massage therapy.
You can never know what kind of measures people will take. And although you have them fill out an intake form and ask them questions...so do doctors. And they can get sued for small things that seem insignificant to normal people.
So yes, if you break someone's rib you will almost certainly be sued. But what if your stripping a vein and, for example, something happens to a varicose vein they didn't know they had and they decide to sue you. How miserable that would be without liability insurance? Especially if you have a house, car, family, bills, mortgage, rent, etc.
As good of intentions you may have, not everyone has them. So cover your butt. And if you decide not to, I hope it all works out for you! Good luck and good day! =)

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More examples for why insurance is needed
by: Susan (Indiana)

As the previous comment said, you never know what a client might sue for. Liability is often called "slip and fall" for a reason. A common suit is a slip and fall in the therapist's bathroom. One of my instructors was sued for allegedly spraining a rib because a client heard her back make a sound when he was performing a passive stretch with her legs. Another of my instructors who performs prenatal massage was sued by a client who had a miscarriage. There was no way the instructor was at fault, but when a woman miscarries, it is too easy to place blame. The point is, you can do everything right and still get sued. A client could be allergic to shellfish and your cream might have glucosamine that is sourced from shellfish. The source of the ingredients is not necessarily listed, just the ingredients. Even if you rapidly clean off the cream, a client could have a life-threatening reaction. Don't risk losing your equipment or more because you don't have insurance.

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Definately Needed
by: Anonymous

I am a sports M.T. who has been in private practice for 5 years now. Clientel include professional athletes. In my quest for a closer M.T. I sought one close by and have paid very dearly for it. She did not take a H&P, she DID break my rib (Costalchondral fx) by trying to impress me and pushing down with such force that she was shaking while I was supine. Consequently I will not be returning. Mind you I do not tell anyone who I am when looking for a therapist, for this very reason of having to "prove" themselves. When I asked her if she had liability insurance she refused to tell me and I had to research it myself to find out. I myself have A.M.T.A. b/c I value my license, she did not. A 70.00 massage has so far cost me $6,000.00. You do the math..what is your license worth to you? Things do happen, I live to testify to that. I am now on a mission to see that noone else endure what I have had to. Best of luck to you.

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Huge Mistake
by: Anonymous

It doesnt matter what type of business you have you must have insurance!! You could be doing POWDER massage and your client gets up to fast falls and bumps their head. Or they are just flat our clumsy and slip two feet outside the door on their own, guess what? You can be sued. To think you can get away without massage is a huge mistake. Even swedish can cause significant change in a persons body. If you do not beleive that even the lightest massage can have a profound effect on someone... why are you practicing it. Thats what the whole proffession is based on.

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no insurence no license NEW
by: Anonymous

Insurence is required for licensure in MA, how do you have a license to practice without it? And if you dont have a license you cant practice.

Massage insurance NOT necessary

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Massage insurance NOT necessary