STUDENT LIABILITY INSURANCE FOR MASSAGE THERAPISTS
Why you need massage therapy insurance even as a student.
As a massage therapy student, you have a lot on your plate. Between class, practice, work, and making time to study, you probably feel like there aren’t enough hours in the day to get through it all. Allow us to add one more bit of reading to your schedule—don’t worry, you’ll get through it in just a few minutes, plus there’s no test.
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LET’S TALK ABOUT STUDENT LIABILITY INSURANCE.
Just think about how tight your schedule is now and how much you have to keep up with. Consider how your intricately-planned day-to-day life would be affected if you were saddled with a lawsuit because of a client getting injured. Would you be able to get through it all? Or how would you respond if your equipment got damaged or stolen?
Right now, your top priority is gaining the education and learning the skills you need to be a successfully licensed massage therapist. You shouldn’t have to worry (you don’t have time to ) about potential liability issues or property damage costs. With student liability insurance, you don’t have to.
Johann Wolfgang von Goethe, the German poet and writer, once said, “Things that matter most should never be at the mercy of things that matter least.” Massage therapy insurance helps keep your priorities sorted and lets you continue to focus on what matters most—your education and your work.
At BBI, we look out for students, and we have a policy (and price) tailored specifically to you.
So, what is massage therapy insurance? Why do you need it? How will it help? Keep reading to find out..
At BBI, we look out for students, and we have a policy (and price) tailored specifically to you. So, what is massage therapy insurance? Why do you need it? How will it help?
Protection From Injury Due to Negligence
If a client gets injured due to your negligence, you can be held liable and end up being stuck with the costs of a lawsuit. Negligence is the operable term here—you can try as hard as you can to prepare and maintain a safe environment, but even the smallest slip-up can result in you being deemed negligent, and thus responsible for the costs associated with an injury lawsuit.
Massage therapy insurance can help cover costs associated with legal defense, settlement, and damages awarded to the plaintiff.
Protection From Property Damage
In addition to the potential for client injury, you also run the risk of property damage. Whether you’re working in a space that you own or rent, massage therapy liability insurance can help cover the costs of property damage that the space you use may incur while on the job.
Let’s say an essential oil diffuser malfunctions and starts a fire. On your own, you’d be looking at some inconvenient replacement and repair costs to fix the damage. With massage therapy insurance, you can file a claim and may have those costs covered.
Protection From Injury Due to Negligence
Your work can often involve oils or hot stones. There are a number of inherent risks involed with these types of treatments, from allergic reactions to possible burns. Even the simplest of instances could carry major financial implications. One massage therapist used hot stones on a client which resulted in some pain and blistering, and found herself on the receiving end of a lawsuit—she ended up being on the hook for $125,000 in damages.
In cases like this case, these costs can be allayed by—you guessed it—massage therapy insurance, as part of your general liability policy.
Coverage for Damaged Or Stolen Equipment
From your massage table to diffusers and lighting, your setup is not cheap. If your equipment gets damaged or stolen, your finances will take a nice hit if you’re trying to repair or replace on your own. Liability insurance can help with those costs.
As a student, you already have (more than) enough expenses to worry about. Massage therapist insurance is a security blanket that you can throw over your equipment to give yourself financial peace of mind knowing you won’t be stuck with the costs of having to replace it all.
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: