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Tailored Insurance for MASSAGE THERAPISTS

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Massage Insurance



Massage insurance is vital if you are a certified massage therapist, you can be sued – even if you have done nothing wrong. During a massage, if injury is incurred by the client -- or the client experiences chronic pain as a result of a massage – you can be held liable. Your best solution is to protect yourself with massage insurance.

 

What kind of Liability Insurance is best for you?

 

The massage insurance coverage that is best for you depends on the details of your business. Many Hiscox customers optimize their coverage by choosing both professional liability and general liability policies. To assure that you get the best coverage for your business, see the examples below.

 

Professional Liability Insurance 

Sometimes called errors and omissions insurance (E&O insurance), is coverage for claims against businesses that provide professional and personal services – for businesses like yours. When is it important to have professional liability insurance for massage therapists? Examples include:

  • Protection even if you haven’t made a mistake: A therapist performs a deep tissue massage on a client who had noted shoulder pain prior to the treatment. While performing a shoulder stretch on the massage chair, the patient winces and asks the therapist to stop. A day later the client accuses the therapist of causing a torn ligament in his shoulder, requiring surgery. Professional liability insurance (errors and omissions insurance) protects you if such a claim is made.
  • Loss of personal information: By mistake, you misplace a file with sensitive client information. It was an accident of course, and the information is compromised.  If your client sues you, we will cover claims subject to your limit of insurance.

 

Massage insurance protects massage therapists if they are sued for making a mistake - whether you actually made a mistake or not, and such a lawsuit can arise months or years after the event allegedly took place.  

 

Learn more about professional liability insurance or watch our professional liability insurance guide.

 

General Liability Insurance 

Sometimes called commercial general liability (CGL) is massage insurance that protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Having this kind of massage insurance is beneficial in several instances:

  • Claims of Injury: A client leans on the headrest of a massage table to steady himself as he is trying to get up. The headrest snaps off, and the client’s arm is injured while trying to catch himself. General liability insurance protects you against third-party claims for bodily injury to the extent you are liable up to your policy limits, and related medical costs.
  • Client's property damage: You’re visiting a client’s home for an in-home massage and accidentally knock over a computer monitor, breaking it. Your general liability policy will cover the subsequent claim, up to your policy's limits of liability.

 

Learn more about general liability insurance or watch our general liability insurance guide.

  

Why Hiscox?

You need professional liability and general liability coverages to watch out for your practice, just like you watch out for your clients. Hiscox is here to do just that.

  • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  • Tailored Insurance: Insurance custom tailored to meet your needs and save you money
  • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
  •  Trust Us: 96% of Hiscox clients surveyed recommend us, and we’re rated ‘A’ (Excellent) by A.M. Best. This overwhelming majority of our insureds are confident in recommending us to their circles – which means they’re more confident operating their businesses with Hiscox behind them.

 

Get a fast, free quote now and get that Hiscox confidence behind your business, too.If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed advisor, Monday thru Friday from 8am-10pm ET.

 

Underwritten by Hiscox Insurance Company Inc., a Chicago based insurance company.  This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

 

The A.M. Best rating is for HICI which, as of December 31, 2014, had admitted assets of $149,432,027 and policyholders surplus of $55,021,013. Total liabilities were $94,411,014 (inclusive of $27,773,319 in reserves) and paid up capital stock was $4,200,000.  

 

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!

866-283-7545

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