As a massage professional, industry-specific liability insurance is vital to protect you from bodily injury and negligence claims. But since the insurance world is often tricky to navigate, LiabilityCover is here to help guide you toward clearer waters.
By the end of our guide, you’ll know exactly where to turn for your massage therapy liability insurance needs.
The Perfect Insurance For Massage Therapists
Holistic health professionals and massage therapists like you are the backbones of the wellness world. Without you, people would be far less chilled and a lot sorer.
But despite your best intentions, providing such relaxing services won’t always be so tranquil behind the scenes. When your business involves helping others’ health and wellness, there’s always an element of risk.
Luckily, we can help you mitigate such risks by connecting you with the country’s favourite insurance providers.
What Is Massage Therapy Liability Insurance Coverage?
Massage therapy liability insurance is a dedicated policy bundle designed for massage clinics and therapists. While all packages differ, they all financially protect you from lawsuits alleging omissions, malpractice, negligence, and more.
We’ve provided hundreds of businesses like yours access to the best insurers in the country. Your company is in safe hands, so rest easy while you help others do the same.
What Does Massage Therapy Liability Insurance Cover?
Typically, a comprehensive massage therapy liability insurance package includes these policies:
- Commercial general liability insurance coverage — It financially protects you against claims of third-party injuries and property damages caused by accidents in your premises (e.g. slips and falls).
- Professional liability insurance coverage — Often known as massage malpractice insurance, it protects you against claims alleging errors, omissions, and negligence in your practice.
- Cyber liability insurance coverage — It covers your customers’ digitally-stored data.
Who Needs Massage Therapy Liability Insurance?
Any holistic health professional providing massage and related services benefits from a specialized comprehensive insurance package.
Some of the therapists we’ve helped gain the insurance they need are listed below:
- Osteopathy practitioners
- Reflexologists
- Kinesiologist
- RMTs and massage therapy clinics
- Acupuncturists
- Physiotherapists
How Much Does Massage Therapy Liability Insurance Coverage Cost?
Most massage therapy liability insurance bundles start at $350 per year. They tend to include a professional liability policy and a commercial general liability policy with a coverage limit of $3 million.
With that said, plenty of factors change the cost of your insurance, including but certainly not limited to the following:
- The size of your operation — Whether you run a clinic or operate as an individual plays a massive role in deciding your coverage price. The more people working at your clinic, the more you should expect to pay for insurance.
- Your insurance claims history — A clean track record lets you benefit from reduced insurance premiums. Insurers assume you’re less likely to claim in the future if you haven’t claimed previously.
- Your business location — Some areas are more prone to adverse conditions or high crime rates. If you conduct your massage therapy business in one of the areas below, expect more expensive premiums as they experience more crime than most Canadian cities:
- Timmins, Ontario
- Williams Lake, British Columbia
- Terrace, British Columbia
- Selkirk, Manitoba
- Wetaskiwin, Alberta
- Quesnel, British Columbia
- Prince Albert, Saskatchewan
- Portage La Prairie, Manitoba
- North Battleford, Saskatchewan
- Thompson, Manitoba
- Winnipeg, Manitoba
- Thunder Bay, Ontario
- Your experience level — Insurers lower your insurance premiums as you gain industry experience. They believe that you’re less likely to make mistakes, and therefore lawsuits, if you’re experienced in providing massage treatments.
- Your business revenue — As a highly profitable business, you should expect to spend more on insurance. Clients are more likely to ask for larger settlements and compensation when they know your revenue can withstand the request.
Why Choose LiabilityCover?
With LiabilityCover, it’s easy to find the massage therapy liability insurance that’s right for you. Once you’ve filled in our secure online form, our expert team analyzes your requirements before connecting you with your perfect insurer.
We afford you the knowledge and time needed to make decisions that effectively cover your business from all eventualities. We’re here to help take the confusion out of insurance — you complete the form, and we’ll do the rest!
Frequently Asked Questions
What Insurance Coverage Do You Need If You Run a Multidisciplinary Clinic?
When acquiring insurance from one of our best brokers, disclosing information about all your services is essential. That way, they can ensure your policy covers your entire business and not just your primary modality.
For instance, if you are a sound healer but also practice Ayurvedic massage, make sure you tell the insurance provider. They’ll craft a comprehensive massage therapy liability insurance package that protects all services from all eventualities.
What Are Some Common Massage Therapy Liability Claims?
Some liability claims typically faced by massage therapists in Canada include:
Example One: Fire Damage Claim
A fire started in your massage therapy clinic. The blaze caused considerable damage to your building and equipment.
Luckily, your commercial property insurance pays for the repair to the building and the replacement of your equipment, totalling $100,000.
Example Two: Malpractice Claim
After you provided a massage to a new client, they claim your services made an existing injury worse. Therefore, they sue you for malpractice.
Fortunately, the professional liability insurance policy you purchased beforehand covers the lawsuit, equalling $50,000.
Example Three: Trip and Fall Claim
While leaving your massage room, your patient trips over the massage table’s leg. The fall was somewhat significant since it broke their wrist.
Your patient decides to sue you for the trip and fall incident. Thankfully, your commercial general liability insurance policy covered the legal and medical fees, equalling $32,000.
Which Massage Therapy Insurers Does LiabilityCover Work With?
We work with a wide range of the best insurance providers in the industry, including:
- AM Fredericks Underwriting Management Ltd.
- April
- Allianz
- Aviva
- Ace Insured
- Beacon Underwriting Ltd.
- First Media
- Encon
- Eagle Underwriting Group Inc.
- Elliott Special Risks Ltd.
- Cowan Insurance Brokers
- Creechurch
- Chutter Underwriting Services
- Coast Underwriters Limited
- Chesterfield Canada, Inc.
- Chubb Insurance
- CFC Underwriting
- Chartis
- BI&I
- Berkley Canada
