If you are running a massage clinic, you must be aware that your business stands at a higher risk of exposure to malpractice complaints. Such complaints will likely originate from any of your clients, which could reach in court – a scenario that may drain your finances. The good news is that you can protect your clinic and your professional reputation through massage business insurance.
Massage business insurance should be part of your checklist when opening a clinic considered a high-risk venture. It will shield you and your business through the following coverage options:
Professional liability coverage – covers different modalities, including massage, energy, movement, and spa therapies. The policy is valid from its inception until it renews after one policy year. The American Massage Council, for instance, offers coverage limits of $2,000,000 per claim.
(Note: Some massage modalities are considered a higher risk than others. Hot Stone is an example of one of these increased risks. Our underwriters require a hot stone addendum to assess this risk. If approved for coverage, there is no charge, and you will need to use our hot stone informed consent form.)
Premises liability coverage – offers coverage for “slip and fall” incidents within your premises. It also covers personal and advertising injury, medical expense coverage, enhanced product liability, and fire legal liability.
Business personal property – can cover the named insured for lost, stolen, or damaged property of the business, such as equipment (massage table and chair), furniture, or other business property that is not a permanent part of the building structure. American Massage Council offers a limit of liability of $10,000 and a $500 deductible.
Other coverages – insurance companies for alternative healthcare businesses offer more coverage options for various allied healthcare professions. These professions include Personal Trainers, Skin Care Professionals, and Nutritional Specialists. (Contact your prospective insurance provider if you have an additional profession you want coverage for any of the mentioned areas.
Call the American Massage Council today at (800) 500-3930 if you have inquiries.
