Congratulations!  Your dream has become a reality.  You’ve passed your massage exam and obtained your massage therapist license.  You’re now a Licensed Massage Therapist!  Or maybe you’re just about there, and you can almost taste it.  But before you even touch your first patient, there is one thing you need to do first: acquire massage therapist liability insurance.

Why do you need massage therapist liability coverage?  Remember that you, like other health professionals, could be named in a lawsuit and risk losing your license if a client brings charges against you.  In today’s day and age, you can serve a hot cup of coffee to someone at a drive-thru window and bring a multi-million dollar lawsuit to your employer if that customer spills it.  Now imagine working on the bodies of many people of varying mental, emotional, ethical and physical levels of health, and what kind of claims could potentially result against your employer, or against you as an individual business owner.  These are the realities.  Is not being protected worth the risk?

Insurance is something that just about everyone has to think about these days – insurance for your vehicles, your identity, your belongings, your business, your life, and your health.  You can even get insurance for your pets.  And if you’re a celebrity, you might insure your legs, your arms, or even your rear end! Massage therapist liability insurance is an essential part of your career as a professional massage therapist.  It will protect you and bring you peace of mind.  In some states, it might also be required by law.

What kind of coverage should a massage therapist get?  Coverage can include your equipment, your identity, and liability coverage of up to $2 million.  Most companies offer professional liability, general liability, and product coverage.  Professional liability will cover you in malpractice cases.  General liability protects you in events where a client is injured but not due to malpractice, such as a client falling while in your care.  Product coverage is designated for instances where clients experience an adverse reaction from a lotion, oil, or other product you have used.

You might also wonder if massage therapist liability insurance will cover all modalities.  Some companies, such as Massage Liability Insurance Group, offer coverage for over 300 modalities.  Massage Liability Insurance Group provides coverage for massage therapists, yoga instructors, cosmetologists, estheticians, nail technicians, animal massage therapists, reflexologists, and dance instructors.  A massage liability insurance professional can best help you determine what kind of coverage you need.

Your next question might be, “How much is this going to cost?”  Prices can range from $150 to $200 a year for massage liability insurance.  In order to be sure you’re choosing a plan that’s right for you, you should do your research.  Know what kind of coverage you need.  Be sure to check with your state to see what type of coverage is required by law.  Also, check with a variety of companies to see what is available, and check to see who offers discounts.  If you are a Massage Prep customer, you can receive a discount of up to $90 off the regularly priced $159 annual cost of massage therapist liability insurance from Massage Liability Insurance Group.  By opting out of massage therapy liability insurance, you’re assuming the risk.  A safer choose is to let the risk fall on the shoulders of a good insurance company.

Contact Massage Liability Insurance Group now for more information on the type of insurance you need by calling 1-800-222-1110 or emailing info@massageliabilityinsurancegroup.com.  For more information on available discounts, click here:
Massage Liability Insurance Group Discount for Professionals or here: Massage Liability Insurance Group Discount for Students.

For more information Massage Prep, the leading online massage exam preparation guide in the industry, click here: massageprep.com.

You have been trained to bring peace and relaxation to the bodies and minds of your clients.  But you can’t give away what you don’t have.  Get smart.  Get massage therapist insurance.  And get peace and relaxation, and pass it on.