You have started your massage therapy salon after satisfying all legal formalities. You are now all set to start your operations, but wait! Have your insured your business? As a professional massage therapist, are you wondering your salon/business would need insurance? You must understand any business has the risk of facing losses due to certain unforeseen circumstances. Therefore, you need a salon insurance policy to fall back upon, to protect you from these losses. If you are still not convinced,here are some compelling reasons for you to choose a massage therapist insurance policy.
You have to organise your salon in a proper way so that you don’t have things lying around on the floor. If you have loose wires on the floor or other things that block the free passage of your clients, they can trip and fall causing bodily injuries. When your client gets injured at your place of operation, they can sue you for negligence. You will have to pay a huge sum towards legal expenses and compensation to your clients for the damages occurred. This is where a general liability insurance policy can help you to a great extent. When your salon is covered under this policy, these expenses are taken care of by the insurance company. We not only offer insurance comparison for massage therapists, but also barber shop insurance and other saloon related services shop based or mobile.
Sometimes, you can cause injuries to your clients in the course of your business, unintentionally. Your beauty treatments can harm them in some way, thereby causing injuries. Sometimes, the treatments that you suggest can cause allergies for them. While some of them don’t make it a big issue, there are some fussy clients who can sue you for professional negligence. Apart from the financial losses that you suffer due to compensation paid for your client, you also have to bear the brunt of a bigger problem – loss of reputation! Therefore, ensure that you take up a professional liability insurance policy to protect yourself from these legal suits.
Errors take place in the industry all the time irrespective of the experience and training that you and your staff have. Some clients can be a bit understanding, especially if the errors do not lead to severe injuries or bodily harm. However, the moment the error causes a severe injury that forces the client not to go to work or fend for the needs of the family, getting away with nothing other than a slap on the wrist would be unimaginable. Good insurance helps the therapist to minimise risks while protecting the owner, staff, clients and the business.
As a massage therapist, you are required to touch your client physically most of the times as part of your treatment. However, these touches can sometimes be looked upon as sexual assault or harassment by the clients. In such cases, your need to have a professional liability insurance policy intact to prove to all the concerned parties that you were doing your job as a therapist and to handle all the financial and legal expenses involved in the legal suit filed by your client.
To seek protection for your professional equipment at the salon
To seek protection in case of loss of business income
To seek protection against loss of reputation
To be protected against malpractices
Massage therapist insurance policies help you to run your business professionally and smoothly. You can run your business without the pressure of being sued by your clients even due to unintentional reasons. As a therapist, your business is exposed to all kinds of risk that any normal business is exposed to. Therefore, ensure that you protect your business properly and run it uninterruptedly.