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As a therapist, the wellbeing of your client will be paramount in your mind. Your role after all, is to make them feel better.

When things go well and a patient leaves pain free, it’s a rewarding and satisfying job. However, if something goes wrong, or a patient alleges something against you, having the right business insurance in place could save you a great deal of time and money.

As a therapist, the wellbeing of your client will be paramount in your mind. Your role after all, is to make them feel better.

When things go well and a patient leaves pain free, it’s a rewarding and satisfying job. However, if something goes wrong, or a patient alleges something against you, having the right business insurance in place could save you a great deal of time and money.

Emily Kindness
Business insurance expert
3
minute read
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Last Updated 23 FEBRUARY 2022

Why do massage therapists need insurance? 

As much as we all like to imagine our business running smoothly, there are things which can disrupt a massage therapy business. Here are some examples of when things can go wrong and the right insurance can help protect you:

  • You injure a customer during a massage and owe compensation
  • You suffer an injury, resulting in you being unable to perform massages
  • Your equipment is lost, stolen or damaged 

Also, 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.

What insurance is available for massage therapists? 

Public and product liability insurance 

If you have a salon, parlor or simply a room in your home that you invite clients into, you 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 next 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, another type of 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.

How to protect yourself as a massage therapist

Your first step should be to try and limit problems in the first place. We know this sounds obvious but we also know that mistakes do happen. It’s important to do everything you can to stop situations arising in the first place.

Thoroughly understanding all pre-existing conditions and allergies is really important. Having a client questionnaire that asks all the right questions about any previous issues or injuries is important. Make sure your client really reads it thoroughly and understands fully before signing it.
Last, but not least - get that insurance in place. Having an adequate cover will provide you with a peace of mind that you and your business are protected.

Compare prices and get insurance

Finding competitive liability insurance isn’t complicated. In fact, you can do it right here, right now. Use our public liability or employers liability comparison services to find the right deal for you or complete our professional indemnity call back form and one of our team will get in touch with you to discuss your needs. Protect your business with comprehensive liability insurance. Compare with us today.

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