Massage therapy liability insurance policies don’t eliminate the possibility of risk – but they do mitigate the consequences of dealing with that risk
It’s probable that a chiropractic clinic is covered when it comes to liability insurance. Or is it? On the surface, it’s likely easy to answer this question. If your chiropractors are covered, surely you’re covered from every angle, like massage therapy liability. Right?
This isn’t always the case. Think about it this way. If you’re running a practice that has you and your fellow chiropractic staff covered, your massage therapists should have coverage too. Not requiring every health care professional in your practice leaves you, your practice, and your staff at risk.
Your practice includes health care professionals other than chiropractors, right?
More specifically, we’re referring to your employed massage therapists. Most chiropractic offices – likely yours included – employ professional massage therapists to complement and support the treatments they offer.
Fortunately, there is a comprehensive way to offer care and a great way to ensure patients heal with their best foot forward. While being a massage therapist is a rewarding profession, it often comes with a unique set of risks which should not be overlook when deciding if you should require your employed massage therapist to carry professional massage insurance.
As a practicing member of your team, it’s crucial that every professional you employ carries liability insurance. Otherwise, you, your practice, and your employees are at risk.
Are your massage therapists covered?
So, ask yourself, what kind of coverage should my employed massage therapists carry? It’s important to support your employed massage therapist in obtaining a liability insurance policy that meets their needs and protects your practice.
It’s important to guarantee that every member of your professional team that’s working in a hands-on way with patients is covered.
Having coverage through a massage therapy liability company like Massage Magazine Insurance Plus ensures that the massage therapists employed at your chiropractic office and you are covered. Your massage therapist liability insurance policy can include additional insured names on their policy which covers you, your practice, and the massage therapist.
What is massage therapist insurance?
It’s likely that you’re familiar with liability insurance in your line of work. It’s even more likely that your chiropractic office has its own liability insurance for the doctors of chiropractic who work within your practice.
Massage therapist insurance works the exact same way – it protects a professional massage therapists from the risk associated with their profession.
The difference? It’s tailored toward massage therapists and the unique risks they face. Because, like chiropractors, massage therapists have a unique set of risks directly associated with their skillset.
Massage liability insurance is a safeguard against any allegation or claim made. The services your massage therapists offer come with a certain inherent risk – no matter how skilled, experienced, or conscientious they are.
The risk of a client sustaining an injury or allegedly suffering an injury is real – and the consequences could fall on you as the owner of the practice. Liability insurance policies will protect you, your massage therapist staff, and even your patients.
Why massage therapy liability insurance matters
Massage therapist insurance matters for many of the same reasons that your chiropractic liability insurance matters.
For starters, as the person responsible for the practice, it’s your job and obligation to ensure the protection of your employees, your patients, and yourself. You are liable for the actions of your employers and the allegations made by your patients.
And handling that responsibility on your own – without your massage therapist insured by a reliable massage therapist liability insurance company – can mean trouble for you, financial repercussions, damages to your reputation, and irreparable damage to your practice. Massage therapy liability insurance policies don’t eliminate the possibility of risk – but they do mitigate the consequences of dealing with that risk. If something goes wrong with a patient, you’re not gambling with your career, reputation, or financial well-being.
With reliable professional massage insurance, you’re covered in the case of an accidental injury, alleged incident, or anything else that could result in a legal claim.