Product Liability insurance covers your business if you need to recall one of your products. It covers your costs for retrieving the defective product from the manufacturer or seller to prevent any further bodily injury or property damage.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Professional Liability Insurance (or E&O Insurance), protects your small business from claims of mistakes, negligence or malpractice made when providing your services that caused somebody financial loss. PLI covers your legal defense costs, damages and settlements.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
What is a Massage Therapist responsible for?
Massage therapists work closely with clients to provide relaxation and wellness services. Using their hands, massage therapists release tension throughout the body by applying pressure and vibration. There are various techniques involved in massage therapy which are both structured and unstructured. Massage therapists have a strong understanding of human anatomy and more specifically, muscles. Through the alleviation of stress in soft tissue, massage therapists enable clients to move through daily life with greater ease.
Massage therapists are certified professionals who must undergo training to legally begin their practice. Through the regulation of this profession, clients can rest easy knowing that the individual treating them is qualified to do so. Massage therapists are held accountable to standards of professional behavior and quality care.
What risks are associated with being a Massage Therapist?
Massage therapists work intimately with the soft tissues of the body. Without a proper understanding of these soft tissues, a massage therapist can cause bodily harm to their clients, resulting in long-term consequences. However, unwanted outcomes can still arise.
Whenever a client places trust in a professional for proper care, it is important for that professional to be insured. Investing in insurance means that regardless of what happens, a massage therapist can mediate whatever negative outcome occurs. At one point in a massage therapist’s career, there is the possibility that they will accidentally injure a client. Similarly, there is the possibility that the customer will be displeased with the services provided and want a refund. Whatever happens, insurance provides massage therapists with peace of mind.
How do you mitigate risks as a Massage Therapist?
Working with soft tissue, massage therapists risk causing bodily harm to clients. So, it is important to invest in specific coverage of these cases. For example, an accident can occur and Professional Liability insurance financial and reputational damages. Similarly, Errors and Omissions (E&O) insurance protects an error in providing advice or care to clients.
Massage therapists are trained and knowledgeable in their profession, but not experienced in hazard control. This involves understanding the various risks involved with working with the human body. As every body is different, the type of care to be provided should be personalized to the individual. Therefore, medical history is important to investigate before care. If a massage therapist does not take into account a specific part of a client’s medical history, leading to bodily injury, the client may file for malpractice. In this scenario, E&O can help a massage therapist recover from damages.
For massage therapists, insurance is can drastically impact professional future. Even if a massage therapist has followed all necessary steps of incredible client care, there is still the possibility of unwanted outcome. With insurance, you can rest easy under a safeguard to protect all occurrences. Without insurance, the slightest accident can be disastrous.