We cannot emphasize enough the value of massage therapist malpractice insurance regardless of the size of your business. If you have been following us for quite some time now, you are already aware it is one of our recommendations to include on your checklist. With that, it makes sense to be cautious when choosing an insurance policy. The goal is to find one that best fits your needs.
When shopping for massage therapist malpractice insurance, ask the following questions to help narrow your choices to the most qualified providers.
How long have you been in the insurance business?
Asking a prospect this question will give you crucial information about the company’s strength as an insurance provider for massage therapists. If they have been around for decades already, they have weathered the ups and downs of the insurance industry more than enough. An insurance company polished by long industry experience only means they are capable of offering insurance products that are top-notch in the market.
Can you tell us more about the insurance coverage?
You must know how extensive the level of protection they can provide so that you can weigh the benefits versus the amount of money you are spending for the premium. The coverage may include professional liability, premises liability, defense outside limits of liability, good samaritan liability, etc. You can get these items (and more) if you consider an insurance policy from the American Massage Council.
Can you share with us more information about your company – in numbers?
Figures/statistics give you a snapshot yet a holistic view of the company. Some numbers worth taking note of are:
- the number of clients they are currently serving
- amount of insurance claims (in the past couple of years)
- limits of liability
- the premium
Are you a licensed service provider?
Much like in any other state, domestic and foreign insurers in California are subject to licensing, control, and supervision by the Department of Insurance, as prescribed by law. If an insurance provider cannot provide proof of their license, you have a compelling reason to cross that company out from your list of prospects and find another candidate.
Online looking for a reputable company that offers massage therapist malpractice insurance? Contact the American Massage Council today at (800) 500-3930.
