PROFESSIONAL LIABILITY INSURANCE VS. GENERAL LIABILITY INSURANCE
ARE YOU COVERED?
As a business owner, your massage therapy education, training, supplies, and advertising efforts are at the forefront of your mind. Insurance is probably the last thing you want to think about. Since any workspace can turn into an uncontrolled environment and there are many unknown variables out there, it is important to have coverage that can respond to injuries that may occur. Learn about how professional massage liability insurance and general liability can be beneficial for your massage therapy business below.
MASSAGE PROFESSIONAL LIABILITY INSURANCE
(also known as errors and omissions insurance)
is designed to respond to negligence claims. As a massage therapist, a client could sue you for failure to use a degree of care considered reasonable under a given set of circumstances and you may need to defend yourself in court.
Example: A client sues a massage therapist for allegedly overheating the hot stones for their massage and sustaining serious burns on their body. Depending on the claim, professional liability insurance may cover legal defense costs and give you financial peace of mind.
GENERAL LIABILITY INSURANCE
(also known as business liability insurance)
Unlike professional liability insurance, general liability insurance (also known as business liability insurance) can respond to instances that occur while running your normal business operations.
This type of coverage can help protect your business from claims that come from your business such as:
Example: A client trips over an essential oil diffusor cord and breaks their ankle.
WITH BEAUTY AND BODYWORK INSURANCE (BBI),
you don’t need to worry about choosing between massage professional liability insurance or general liability insurance for your business. Our insurance policy offers general and professional liability with a $3 million aggregate for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
Remember that you have spent countless hours building your business and it can all be lost without coverage. What are you waiting for? Join the thousands of massage therapists nationwide who have found peace of mind by purchasing coverage from BBI.
Get a policy today
Massage therapy insurance helps you protect yourself and your business from liability claims. These types of claims can include bodily injury, property damage, allergic reactions to oils, and more. To have a strong base of coverage, massage therapy insurance should, at the very least, provide general liability, professional liability, products & completed operations, and inland marine coverage (a form of property coverage).
If you have any questions about these coverage types, please feel free to call one of our licensed agents at 888-568-0548 for a no-obligation consultation.
When purchasing massage therapy insurance, premiums are calculated based on several variables. Some examples include: the state you’re in, total gross annual revenue, the types of modalities you provide, how many additional insureds you need to add, the coverage limits you select, and more.
However, to make things simple, at Beauty & Bodywork Insurance (BBI) we offer one price for professionals ($96) and one price for massage therapy students ($67). Please note that if your services include any of the excluded methods listed on our site, you will not qualify for coverage under these prices.
Many franchises and spas will require you to have massage therapy insurance before they will contract with you. In addition, because you are working on the human body, there is always the chance someone might react negatively to your services or the products you use. These risks are simply a part of being a massage therapist, which is why it’s important to protect your assets by purchasing massage therapy insurance. Without insurance coverage, you may be responsible for paying defense costs and claims out-of-pocket.
General & professional liability limits
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure.
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Who we are
The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.
Veracity Insurance Solutions
Veracity Insurance Solutions, LLC is the program administrator and general agent for Beauty & Bodywork Insurance. Veracity began focusing on specialty general liability, product liability and program business insurance in 2002. Since then, they have been involved in the creation and ongoing administration of over 20 different association-based and Risk Purchasing Group programs. Located just South of Salt Lake City, Veracity is committed to providing each client the best price and service possible. With over 40,000 small business accounts serviced, Veracity’s team has the experience and expertise necessary to meet your needs.
Great American Insurance Group
Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers.
Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M. Best. (Rating affirmed February 21, 2014)
With over 250 types of massage therapy methods to choose from, we don’t want to restrict to specific types. We believe they are all beneficial. With a BBI policy, all modalities are covered on one policy, for one low price. Some of the most popular types of methods include: