Massage therapists are some of the riskiest practitioners in the industry, not only because they often carry out intimate massage, but also because they can be held liable when a client becomes injured. Unfortunately, many massage therapists don’t realize that there is affordable liability insurance available for them. This guide has all the information you need to know about how to find an affordable plan.

What is Massage Therapy Insurance?

Massage therapy is a valuable service, helping people to relax and get relief from pain. While massage therapy is not formally recognized as a medical profession in the United States, it is a growing field with many people providing this service.

If you are providing massage therapy services, it is important to have adequate liability insurance in case something happens that causes you to be sued. There are different types of massage therapy insurance that are designed for different types of businesses, so be sure to find the right policy for you. Here are some things to keep in mind when looking for massage therapy insurance:

-Make sure your policy covers bodily injury, including accidents while performing Massage Therapy services.
-Be sure your policy includes coverage for both professional negligence and intentional acts.
-Check whether your policy includes coverage for lost income if you are unable to work due to an accident or injury.
-Make sure your policy has a minimum dollar threshold (usually $25,000) that must be met before payments are made out.
-Be sure to keep accurate records of all Massage Therapy sessions and any accidents that occur while providing services. This information will be important should you ever need to file a claim

Affordable Liability Insurance for Massage Therapists at InsureLMT

Insure LMT offers affordable LMT insurance at only $97 for full coverage. We cover thousands of massage therapists and bodywork professionals with A-rated insurance designed specifically for them. Cheap and high-quality massage insurance from Insure LMT.
Massage Therapy Insurance.

We cover massage therapists and bodyworkers in solo careers, small spa environments, or as employees of national franchises. We also cover mobile massage therapists.

Massage insurance and/or LMT insurance from Insure LMT also provides professional, general, and product liability coverage, stolen equipment coverage, identity theft protection, and rental damage insurance. All of these coverages are available for $97/year, with no hidden fees.

LMT insurance is liability coverage that protects massage therapists and bodyworkers against claims related to their business. For example, if a massage therapist pinches a nerve in a client’s neck during a massage session then the pinched nerve required medical attention and the client sues the massage therapist, lmt insurance could protect the massage therapist from the financial burden of a claim.

What Kinds of Coverage Do I Need on My Massage Therapy Insurance?

When you are a massage therapist, you need to make sure that you have the right kind of liability insurance in case something goes wrong while you are providing services. Here are some things to keep in mind when choosing your coverage:

-You should have general liability insurance to cover personal injuries that occur during your massage therapy sessions. This type of insurance will cover you for any legal costs that you may incur as a result of someone filing a lawsuit against you.

-You should also have workers’ compensation insurance if you provide massage services on a regular basis. This insurance will help pay for medical expenses and lost wages if someone is injured while working for you.

-If you do massages on a regular basis, you may want to consider adding third-party liability insurance to your policy. This type of coverage will help protect you from financial losses if someone is injured by someone else who was using the service that you provided.

How Much Does Massage Therapy Insurance Cost?

There are a few things you need to know before you decide to get massage therapy insurance. The average cost of liability insurance for massage therapists is around $1,500 per year. That might seem like a lot, but it’s worth it if you’re worried about being sued.

The type of massage therapist insurance you need will depend on the state in which you work. In most cases, you’ll need professional liability insurance. This covers you if someone sues you because of something that happened while you were providing massage therapy services.

Some states also require Massage Therapy Certification or licensure as a condition of doing business. This means that if someone sues you for negligence or malpractice, they may have a harder time winning because they won’t be able to prove that you weren’t properly certified or licensed when the incident happened.

If you’re just starting out as a massage therapist, it’s important to investigate your state’s laws and regulations before getting any type of insurance. You don’t want to find out too late that you’re not covered by the policy that you purchased.

Areas for Improvement in Massage Therapy Insurance

Massage therapy is a popular and increasingly popular form of treatment, but there are many people who are not aware of the risks involved in this profession. Because massage therapists are not protected by workers’ compensation or other insurance, they can be financially devastated if they’re injured while working.

Here are five important things to know about affordable liability insurance for massage therapists:

1. You need to have minimum coverage of $500,000-$1 million.

2. You need to have general liability insurance.

3. You need to have medical insurance for Massage Therapists.

4. You need to have workers’ compensation insurance for Massage Therapists in some states.

5. You may also need business interruption insurance, just in case your business is disrupted by an injury or other event.

Conclusion

Although it is a relatively new business model, massage therapy has been around for centuries. Even so, many massage therapists are still not familiar with the risks and liability that comes with their occupation. If you are a massage therapist looking to get started in your career, or if you have been working as a massage therapist for some time and want to make sure you are taking all the necessary precautions to protect yourself and your clients, read on for some advice on affordable liability insurance for massage therapists.