Many bodywork professionals ask about purchasing massage therapy insurance and professional liability insurance. With all the different insurance terms, it’s easy to be confused about the different coverages you need and the coverages offered to you. One of the more confusing terms in the bodywork industry is the difference between malpractice insurance and professional liability insurance.
Malpractice vs. Professional Liability Insurance
Believe it or not, the difference between malpractice and professional liability insurance is rather simple:
Malpractice is a form of professional liability insurance. Different professions often have different forms or names of professional liability insurance. Malpractice insurance is a form of professional liability insurance used in the medical field, not in the bodywork field, and is designed for the higher claim costs arising from medical claims against doctors, nurses, dentists, and other medical professionals.
Professional Liability Insurance
Professional insurance, on the other hand, is coverage for bodily injury or property damage that arises from services a professional provides. As a bodywork professional, professional liability insurance is essential in the event that a service you provide harms your client or damages property. Examples include your client is burned from hot stones, your client has bad rashes after waxing, or you accidentally burn your client’s hair with a flat iron. While you do your best to ensure nothing goes wrong and your client receives the best care, accidents can happen and you may receive the blame and the claim. Professional liability insurance provides coverages for these claims.
Purchase Insurance Today
As a bodyworker, you want to purchase professional liability insurance rather than the more medically tailored form, malpractice insurance. Whether you’re a practicing massage therapist, acupuncturist, esthetician, cosmetologist, or another beauty & bodywork pro, professional liability insurance has the coverages you need for your specific industry and will make sure your services are insured for the unavoidable.
BY LYNDSEY LARSEN
Lyndsey Larsen is the Marketing Manager for Beauty & Bodywork Insurance and writes about business, marketing, entrepreneurship, and insurance.
Lyndsey Larsen is an experienced writer with a background in corporate communications and nonprofits, SAAS corporations, and nutraceutical companies. She has previously worked as a journalist for regional and national publications. In her spare time, she enjoys chasing butterflies, rockhounding, and spending time with her two kids in Utah’s mountains or deserts. Find Lyndsey on LinkedIn.