Massage therapists help provide much needed relaxation to their clients. If all goes well, customers leave feeling physically rejuvenated.
But if something should go wrong during your massage appointment, you could face serious liability stemming from a lawsuit. Plus, massage therapists face the same risks as other business owners: property damage to their commercial space, injured employees and more.
Business insurance for massage therapy protects companies against financial ruin if an accident occurs. Here are five scenarios that illustrate why massage therapists need business insurance before booking a single appointment.
A customer is injured climbing onto the massage table
A massage therapist turns their back for a second to grab a stack of towels. When they turn back, they see their client has fallen on the floor. Raised surfaces, oily products and dim lighting create a perfect storm of potential hazards. Any number of physical injuries can occur.
Anytime a customer, delivery person, inspector or friend visits your business, you’re potentially liable for any bodily injury or property damage they incur. General liability insurance protects companies against financial loss should their business operations be found liable for injury or damage to others.
Your massage exacerbates an existing injury
Where’s the line between “good pain” and “warning sign”? Let’s say a massage therapist is working a knot out of a customer’s back. Despite the fact the customer says it hurts, the practitioner keeps going, insisting that’s how it’s supposed to feel. It turns out they could be exacerbating an existing injury, which is grounds for a lawsuit. One medical director recounts the tale of a woman who sustained a tear in her shoulder tendons after she endured rough treatment from a massage therapist, who insisted that’s what she needed.
You get in a car accident driving to a remote appointment
Do you make massage therapy house calls? Do you participate in special offsite events like corporate retreats or industry trade shows? If you use your vehicle—even your personal one—as transportation to work engagements regularly, you’ll need to insure it with commercial auto coverage. This protects you in case you get in an accident while you’re behind the wheel for work.
Someone breaks into your studio and steals equipment
Any business can be the victim of a theft or vandalism spree. Ditto goes for fire, plumbing issues, roof collapse and many more. Property insurance as part of a Business Owners Plan (BOP) helps companies rebuild and replace lost contents without paying for it all out of pocket.
An employee sustains a back injury while leaning over a client
Massage therapy is a highly physical line of work. While the client is lying on the table, the massage therapist is moving around, bending over and using many of their own muscles in the process. If one of your employees sustains an injury and needs to go to a doctor’s office, pursue rehabilitation, pick up prescriptions or take time off work, workers compensation will cover the associated costs—which can rack up quickly.
Ready to protect your massage therapy parlor with business insurance? Start with free quotes from CoverHound!