insurance for massage therapists

why do massage therapists need insurance?

Insurance for massage therapists

Westwood will work with you to ensure your Massage Therapist business has adequate insurance coverage for every threat you could face.

Quick Quote on Liability Insurance

Despite their intent to aid and promote health, massage therapists, like other health professionals, face challenges that make it necessary to be covered with malpractice or liability insurance. The nature of their hands-on work with clients exposes them to potential risks and vulnerabilities where they might be sued for malpractice. Here are key areas of vulnerability:

  1. Physical Injuries: Clients may experience physical injuries as a result of massage therapy. This can include muscle or tendon strains, nerve damage, or exacerbated pre-existing conditions. Even with a therapist’s utmost care, the risk of injury can lead to claims of negligence or improper technique.
  2. Failure to Obtain Informed Consent: Massage therapists are required to explain the nature of the treatment, potential risks, and obtain informed consent before proceeding. Failure to properly inform clients or document their consent can result in legal action if the client suffers an adverse reaction or injury they were not warned about.
  3. Breach of Professional Boundaries: The close physical contact inherent in massage therapy can lead to misunderstandings or allegations of inappropriate behavior. Accusations of sexual misconduct or harassment are extremely serious and can result in both criminal charges and civil claims for damages.
  4. Confidentiality Breaches: Massage therapists, like all healthcare providers, are expected to maintain client confidentiality. Unauthorized disclosure of client information can lead to legal action for breach of privacy.
  5. Improper Practice or Technique: Using techniques for which the therapist is not properly trained or failing to adhere to recognized standards of practice can lead to client harm and subsequent lawsuits alleging professional negligence.
  6. Allergic Reactions: Clients may have allergic reactions to oils, lotions, or other products used during a massage session. Such reactions can range from mild skin irritation to severe responses requiring medical intervention, potentially leading to claims against the therapist.
  7. massage therapists need liability insuranceFailure to Refer: Massage therapists are often one of many professionals involved in a client’s healthcare. Failure to recognize conditions that require medical attention or to refer clients to appropriate healthcare providers can result in worsened conditions and liability for failing to act in the client’s best interest.

Malpractice or liability insurance is crucial for massage therapists to mitigate the financial risks associated with these vulnerabilities. This insurance provides protection against claims of negligence or malpractice, covering legal defense costs, settlements, and judgments. It not only safeguards the therapist’s financial stability but also contributes to maintaining the credibility and trustworthiness of their practice.

Westwood insurance group work with a number of different insurance carriers to ensure you get the most suitable insurance coverage at the best priceGet a Quick Quote today. 

what types of insurance do massage therapists need?

General Liability Insurance

General Liability Insurance

This is necessary for massage therapists with their own facilities. It  covers medical expenses and attorney fees resulting from bodily injuries and property damage your facility or organization could be legally responsible for.

Business owner's policy (BOP insurance)

Business owner's policy (BOP insurance)

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for Medical Professionals with small to medium-sized businesses, providing a blend of liability protection and property insurance.

Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual Medical Professional during their practice. It differs from General Liability insurance, which covers the practice itself. 

Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for massage therapists who use a vehicle for your practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.

Sexual Abuse and Molestation Insurance

Sexual Abuse and Molestation Insurance

Provides coverage for your massage therapists business against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the senior living industry.

Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.

Contact Chris Worley now

Chris Worley

Chris specializes in insurance for Massage Therapists. You can call him or one of the team on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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216.539.0841
855.351.7487

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traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ’s

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:

     

    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.