When it comes to selecting the right massage insurance policy for you and your practice, there are several factors that should come into play. For starters, you want to make sure that the massage liability insurance you choose fits comfortably into your own business budget.
Do not be fooled by massage insurance companies that claim to offer you better protection due to expensive pricing. In fact, you should be able to find a massage insurance policy that provides all the coverage you need for less than a couple hundred dollars per year. In addition, this cost may even be deductible as a necessary business expense.
Beyond selecting massage insurance for a reasonable fee, you will want to ensure that the policy you pick offers the basic components of liability coverage that you may need as a professional massage therapist or bodyworker. These components include general liability insurance, malpractice or professional liability insurance, and product liability insurance. If the policy you are looking at does not offer all three, then it is not the complete package you need.
After you have found a policy that provides the right coverage for the right price, you can begin checking out any additional benefits that may come along with your chosen massage therapists insurance. For instance, you may be able to find a massage liability insurance program that also provides reimbursement for lost or stolen work equipment, along with coverage for rental damage and even identity theft protection insurance.