What is Massage Therapy Insurance?

Becoming a massage therapist can lead to a career that’s both personally and financially rewarding, but this work comes with a certain amount of risk. Along with common accidents that most businesses must be prepared for, therapists also need to think about what could happen to their business if they injure a client. Massage therapy insurance policies help shield massage therapists in Vermont from a variety of covered perils that they’re exposed to.

Massage therapy insurance policies are specialized policies that have been tailored to the needs of massage therapists. Most policies are drafted as package policies, which means they come with multiple coverages within them.

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Who in Vermont Needs a Massage Insurance Policy?

The majority of massage therapists in Vermont ought to have a massage insurance policy, for few therapists are free from all risk exposure and this typically is the most appropriate insurance for massage therapists. Without insurance, therapists can be dangerously exposed to potential risks.

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Do Massage Therapists Have Insurance Coverage Through Their Employer?

Massage therapists who work for spas or other businesses as employees might receive insurance coverage through their place of employment. Not all employers provide coverage for employees, though, and sometimes the coverage afforded isn’t as robust as therapists would like it to be. Any provided coverage also usually doesn’t extend to side gigs that aren’t done through the employer.

Because of these caveats, massage therapists who work as traditional employees normally should speak with a knowledgeable insurance agent before they simply trust that their employer provides adequate insurance coverage. A specialized agent will be able to review an employer’s policy to see what (if any) protections it gives employees, and then the agent can help a therapist decide whether they need to purchase additional protection.

This matter normally doesn’t apply to massage therapists who work as independent contractors and therefore, are typically viewed as business owners rather than traditional employees.

What Protections Does Massage Insurance Make Available?

Massage therapists can often adjust the coverages in their policy and not all massage insurance policies come with the same available coverages, so the protections that policies ultimately provide can vary. Nevertheless, there are several common coverages that tend to be widely available:

  • General Liability Coverage, which might protect against certain accidents and defamation lawsuits
  • Professional Liability Coverage, which might protect against errors that a massage therapist makes in their work
  • Product Liability Coverage, which might protect against damage and harm caused by products a therapist sells
  • Rental Damage Coverage, which might protect against equipment that a therapist leases or rents
  • Stolen Equipment Coverage, which might protect equipment that a therapist owns against theft

Do Massage Insurance Policies Cover Home-Based Businesses?

Whether a massage policy offers coverage for home-based massage therapy businesses varies. Some policies easily accommodate this type of situation, while other policies don’t provide any coverage for at-home work. Therapists who have a home-based business should consult an insurance agent who specializes in this type of commercial coverage, as such an agent will be able to assist in finding an appropriate policy.

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How Can Businesses in Vermont Get Massage Therapy Insurance?

For assistance with finding massage therapy insurance, contact the independent Vermont insurance agents at Paige & Campbell Insurance. Our agents have the freedom to help you compare policy options from multiple insurers in the state, and they have the expertise necessary to help you choose the best available policy for your business. With our help, you can be confident that you and your salon are well protected.

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