Insurance for Massage Therapists
Massage therapists work hard to help people relax and recover from various injuries. According to the U.S. Bureau of Labor Statistics, there were more than 132,000 massage therapists in the United States in 2012. The industry has continued to grow at a higher than average rate, making massage therapy a great career choice.
As with any profession, there are certain risks associated with massage therapy. In this article, we’ll discuss the topic of insurance for massage therapists.
Massage Risks
Despite the massage therapy industry’s great overall outlook, no industry is without risks and liabilities. Independent massage therapy business owners can be vulnerable to a number of customer-related risks. These may include:
Blood clots
Strained or pulled muscles
Slip and fall incidents
Sexual harassment suits
Products liability
Advertising injury
Property damage
A single lawsuit could cause serious financial consequences for a massage therapist without proper insurance coverage. An independent insurance agent, such as the team at Kincaid Insurance, can help you determine the best coverage for your specific practice.
Indiana Licensing Requirements
In order to become a licensed massage therapist in the state of Indiana, you must have proof of your professional liability insurance that lists the state as an additional insured. Professional liability coverage for massage therapists is sometimes referred to as “malpractice insurance” due to the fact that massage therapy is part of the healthcare industry.
Professional liability insurance is designed to protect massage therapists from any claims that are connected to massage services. For example, if a client is injured due to a massage table malfunction, professional liability insurance can help protect your massage business.
Property and Liability Insurance
Massage therapists practice in a variety of locations. Some own their own massage centers, others work in a shared office space, and still others offer mobile services in homes or offices. Some massage therapists practice in their own homes. Depending on where you work as a massage therapist, you may need to consider property insurance to protect your building and equipment.
General liability coverage can also be important for massage therapists. If a client slips and falls on the premises, general liability can serve as a protection against a financially devastating lawsuit.
Massage Therapist Insurance
The independent insurance agents at Kincaid Insurance can help you discover the best coverage for your massage therapy business.
Kincaid Insurance is headquartered in Rockport, Indiana. Our independent insurance agents work with massage therapists throughout the tri-state area of Indiana, Illinois, and Kentucky, including: Newburgh, Mt. Vernon, Louisville, Evansville, Owensboro, and Vincennes.
Contact Kincaid Insurance today by calling 1-877-888-5506. Our independent insurance agents will work with you to assess your massage therapy practice’s needs before providing you a free no-obligation quote.