Swedish Massage Insurance
Getting a Swedish massage is one of the best ways to relieve stress and relax muscles, and is helpful for rehabilitating injuries. When a client comes to you, they are hoping you can use your skills to help them feel better. But things go wrong, and without massage insurance, your business could be exposed to financial deficits.
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$15 per Additional Insured or $30 for Unlimited
BBI is the Coverage You Need
While injuring a client is rare, the odds are good that at some point in your career a client will claim you injured, or in some cases re-injured them. Liability risks include a client falling off the table or tripping in your salon resulting in injury. If these, or other incidents like them happen, you could be forced to pay their medical expenses out of your own pocket.
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without Swedish massage insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without Swedish massage insurance coverage, you could be held liable for these claims.
All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.
What is Swedish Massage Insurance?
Also known as public liability insurance, Swedish massage liability insurance protects you and your business from liability claims. You aim to release muscle tension and promote relaxation. But some patients may react poorly to your methods. For example, if a client suffers an allergic reaction from the lotion you use while performing the effleurage technique, our Swedish massage insurance covers you.
Coverage includes general & professional liability, products & completed operations, personal & advertising injury, and damage to premises rented to you. You can add tools and supplies coverage to help to cover any damages to the equipment that helps you relax clients, stimulate nerve endings, increase blood flow, and more.
What's covered in a Swedish Massage Insurance policy?
- General Liability Insurance
- This policy covers third-party claims of bodily injury and property damage. It can help pay for medical bills, lost wages, and other damages awarded in a lawsuit.
- Professional Liability Insurance
- This policy covers claims of professional misconduct, such as sexual harassment. It can also help protect you if you’re accused of causing physical harm to a client. For instance, while kneading a client looking to relieve stress from work, you may slip and injure a muscle. Professional liability would cover you.
- Personal and Advertising Injury
- This coverage can help protect you if you’re accused of libel, slander, or false advertising.
- Damage to Premises Rented to You
- This coverage can help reimburse you for the cost of repairing or replacing damaged property.
- If you’re a mobile Swedish massage therapist, this coverage helps protect you while on the road.
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General and 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.
$3,000,000
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.
$3,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-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
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
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.
$300,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
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.
Cupping Endorsement
Cupping therapy is an ancient practice that provides relief from sore muscles and is utilized by competitive athletes around the world. BBI now offers cupping therapy insurance for massage therapists and other bodywork professionals.
For just $35, you can add the cupping therapy endorsement to your BBI policy. Current BBI clients can purchase this endorsement from their dashboard. New BBI customers can simply select the cupping therapy endorsement when purchasing their policy. Please note the cupping therapy endorsement excludes wet or fire cupping.
Common Swedish Massage Insurance Coverage Questions
What Additional Coverages Can Be Added to a Swedish Massage Insurance Policy?
- Cupping Endorsement
- This covers claims arising from the use of cupping therapy.
- Fitness Trainer Endorsement
- This coverage is needed if you plan to include some form of fitness training such as yoga, dance, or personal training into your massage operations.
- Acupuncture Endorsement
- This coverage can help protect you if acupuncture needles injure a client.
- Supplies & Tools Coverage
- Also called Inland Marine insurance, this covers the cost of replacing lost or damaged supplies and tools, such as massage tables and oils.
- Additional Insureds
- You may need to add additional insureds, such as your employer or the owner of the space where you work. When you add a person, event, or organization to your Swedish massage therapy insurance policy as an additional insured, they receive protection if they are named in a lawsuit due to a covered business-related loss/claim because of your actions or operations.
- Cyber Liability Insurance
- If you collect or store customer information – names, addresses, even payment information – and that information is stolen or compromised, your business could be held liable. Cyber Liability insurance can protect you from paying hefty fees, judgements, legal cost, fines, and processor fees that you become legally liable to pay.
How Much Does Swedish Massage Insurance Cost?
You can get Insurance for Swedish massage starting at $96 per year. The base policy includes $3 million in general & professional liability coverage.
The final cost of your Swedish massage insurance policy depends on the additional coverage options you select. Popular coverages include:
Add one additional insured for $15 or unlimited for $30. An additional insured is protected if named in a lawsuit due to a covered business-related loss or claim. Spa owners usually require you to name them as an additional insured.
A cupping endorsement is available for $35. If you plan on using any cupping techniques, you need this endorsement. Otherwise, it is not included in the base policy.
Tools & supplies coverage, also known as Inland Marine insurance, costs just $13 and offers $2,000 in protection in case of damage or theft. A $100 deductible applies per occurrence.
Complete your application in ten minutes or less and your coverage starts immediately. Please note you will not qualify for coverage under these prices if your services include any of the excluded methods listed on our site. BBI does not offer monthly payments for Swedish massage liability insurance.
How Can I Add a Cupping Therapy or Microcurrent Insurance Endorsements to My Current Policy?
Our insurance for Swedish massage therapists includes an option to add either endorsement for $35 within the app, at any time. You can also add it after you purchase your policy within the user dashboard. With a few simple clicks, you’re covered!
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what other services are covered in a BBI massage insurance policy?
BBI covers a wide variety of services. Take a look at the other massage methods we also cover:
