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Massage therapist insurance protects RMTs from a variety of liability and damage risks associated with their practice. It’s a customizable product that can be tailored to fit a sole proprietor, small business, or larger practice, based on the needs of the organization. The nature of the massage therapy industry means that RMTs are vulnerable to physical injury claims. Whether a claim made by a client is valid or not, the accusation alone can necessitate legal fees. Plus, any business may also have to deal with situations like equipment damage or unforeseen disruptions to operations. That’s why a massage therapist insurance policy can be vital. Whether it’s helping you pay to replace the carpet in your building after a pipe burst or shielding you from paying a legal settlement, having coverage allows you to focus on your clients, and not your finances.
Though an RMT insurance policy can be altered to suit the practitioner or business it’s meant to protect, most massage therapists in Canada will start with the following coverages. These coverages collectively protect RMTs from the most common types of claims they are likely to face.
Depending on the needs of the specific person or business, any number of coverages can be included in a massage therapist insurance plan. These outlined below are among the most popular add-ons for RMTs in Canada who are looking for an added layer of security.
Though massage therapists face numerous perils related to their work, some kinds of claims are more common than others. The most common types of insurance claims filed by RMTs in Canada include:
The cost of a massage therapist insurance policy will vary, depending on a handful of factors inherent to the business. For example, someone who works out of their home as a sole proprietor faces different risks than a business owner renting an office and employing 10 people, and these differences are reflected in the cost of insurance.
Things like your area of operations, the amount of coverage you get, your claims history, and the value of your equipment and revenue will also have an impact on your insurance premiums. On average, Canadian massage therapists can expect to pay between $500 and $2,500 annually for a comprehensive insurance package. But keep in mind that this range is not applicable for all businesses. To find out how much RMT insurance will cost you, the best thing to do is get a quote.
There are some things about a business that are not easy to change – e.g. its location, its revenue, its services, etc. – but there are certain things a massage therapist can do to reduce the cost of an insurance policy.
Massage therapist insurance is not a legal requirement for RMTs in Canada. However, the nature of the job carries with it an element of risk that makes insurance a wise investment. The most persistent peril RMTs face is claims of professional liability due to injury caused by a treatment. But, there are other perils, like general liability and equipment damage that practitioners need to be aware of. If you are an RMT who is not a business owner or self-employed, you may have insurance through your employer. Even still, you may opt for additional coverage through a separate policy. Whether or not this is necessary will depend on the coverage you’re being provided. Asking your employer for a copy of their policy for you can help you make an informed decision as to whether additional coverage is a good idea.