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How to Buy Massage Liability Insurance

Due to the physical nature of massage therapy, liability insurance is an increasingly important part of your business.  You can easily injure a client or be blamed for aggravating an existing injury. With so much litigations going on, it pays to protect yourself.

So as you shop for massage liability insurance, here are some important considerations to keep in mind:

1)     You need to have at least half a million dollars ($500,000) in liability insurance as a massage therapist.  In some locations you are required by the state to carry more coverage. Fortunately massage insurance is relatively cheap so don't skimp on the coverage.

2)     Read the policy carefully.  Things to look for:  Does it only cover you for injuries sustained at multiple locations (work, home, client's home)?  What styles of massage are covered? This is particularly important if you are practicing the more unusual techniques. For example, are you covered if you burn a client during a stone massage?

3)     Massage Associations offer some good entry level policies. They can cost as little as $150 per year but the coverage is usually low. Make sure you study the policy before purchasing.

4)     Always shop around, even at renewal time. Insurance rates change quickly and last years best deal can be a bad deal this year.  Remember, you insurance company doesn't automatically pass any savings to you. You need to ask for a new quote. 

5)     Be sure to read the massage liability insurance contract carefully, and ask questions on every clause.  Those contracts may change their coverage. If you don't understand the legal jargon, ask somebody to help you. If you have a lot of assets at stake, it may be worthwhile to hire a lawyer to review the contract.

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