What insurance might you need?
Clearly some treatments are higher risk than others. So exactly what types, and what levels of insurance you need will depend on what type of therapy you are practicing.
In general terms though, as a masseuse, there are a number of insurance types you should consider. To start with, there are four different types of liability insurance.
Public and Products Liability Insurance
If you have a salon, parlor or simply a room in your home that you invite clients into, you also need to consider public liability insurance. This form of insurance could cover your legal costs if you caused any injuries or damages to third party property because of your negligence while carrying out work. For example, they slip on massage oils you forgot to wipe off the floor and twist their ankle or fall off the massage table you didn’t set up properly and hurt their back, that type of thing.
You can add products liability to public liability. Products liability could cover you against claims arising from using defective products.
Employers’ liability insurance
The second type of liability policy to consider is employers’ liability insurance. This is a compulsory cover, required by law, for anyone that employs staff. It can protect you against claims should your staff become ill or injured due to work under your employment and supervision.
Professional Indemnity Insurance
Last but not least insurance to get in place as a masseuse is professional indemnity insurance (PI). This insurance may cover you against compensation claims should you provide a member of the public with a negligent service or advice.
If an angry client decides to sue you or your company for negligence, compensation costs could be very expensive. Having PI cover in place could help you stay protected in situations like this.