Make sure your massage therapist is covered by massage therapy liability insurance

While massage therapy liability insurance at your chiropractic office may cost more than previous plans, it is a very powerful investment.

As a professional chiropractor, you likely invest in liability insurance for yourself, your practice, and the people you work with. It is a necessary investment to ensure that your patients and your staff are all protected should any allegations or accidents occur. The same applies to massage therapists working in your office with massage therapy liability insurance.

But what exactly is massage therapy liability insurance? And further, is it absolutely necessary to ensure coverage for the massage therapists who work in your office? The short answer to this last question is yes.

This guide will dive into the basics of massage therapy liability insurance and why massage therapists working for you should carry their own massage insurance.

What is massage therapy liability insurance?

You are probably familiar with liability insurance in a chiropractic setting. It’s likely that you, your practice, and those you work with are covered by a comprehensive policy. But what is massage therapist liability insurance? And more, does it work differently than other liability policies?

Massage therapist liability insurance – like other forms of liability insurance – is all about protecting a professional from the inherent risks of doing their job. Massage therapists, like chiropractors, work very closely with your patients – and with that comes a certain amount of risk (or liability).

This type of unique insurance is designed to cover massage therapists and their unique services in the unlikely and unfortunate possibility that a claim is made against them, their business, or their services.

Why is massage liability insurance important in a chiropractic setting?

That last part of the previous sentence should be a clue as to why liability insurance coverage for your massage therapists should be such a great deal. If a claim is made against them, their business, or their service, all three could suffer – and if they’re working under your practice, that means you could be affected.

As a professional employing a massage therapist, you are putting your reputation on the line. Essentially, you are giving them your seal of approval. Therefore, they need to be protected.

It is your responsibility to protect your practice

When you hire a professional in your practice – whether it’s a colleague in the chiropractic space or a massage therapist – you’re bringing them into your space. You may have some name on your practice, and that means you are directly responsible for what happens in that space.

If you hire massage therapists for your chiropractic office and don’t do Make sure they’re covered by liability insurance, you’re allowing risk to run the show – and that’s never a good combination in a medical or wellness practice.

Liability insurance ensures that your employees are covered, but importantly that your practice is covered as well. Impossible events are impossible to predict. And, unfortunately, no matter how trained or composed your staff is, accidents happen. Accusations are also made.

When you cover your massage therapist with liability insurance, you prioritize the practice and ensure that massage therapist liability issues cannot affect its future.

It is also your responsibility to protect your patients

You owe your patients a guarantee to cover your employees. They deserve protection, and liability insurance is one form of it. But even more, it’s a contract with your patients that you value them and their safety.

You are covering a massage therapist because you trust them and want to make sure that patients, the practice, and your staff are taken care of if something happens.

In the same vein, when you hire a new employee to work for your practice—a chiropractor, massage therapist, receptionist, and beyond—you take responsibility for their actions.

Ask yourself an important question – are you ready to face the potential situations and consequences in your practice, your patients, and your career? without Liability insurance?

As much as we would like to, we cannot control the actions of others. Employing someone means you are responsible for their actions. That intersection works best when you, your practice, and your massage therapist are covered by liability insurance.

The risk is inherent – coverage is required

Every job comes with inherent, built-in risks. Whether one visits a hair salon or pulls into an auto shop, risk occurs the moment a patient or customer enters the equation. This is especially true when it comes to hands-on work such as massage therapy and chiropractic adjustments.

Coverage for these types of jobs is necessary for several reasons, such as:

  • Accidents are happening
  • Accusations are always possible
  • Hands-on treatment by nature demands a high level of legal protection
  • Every job is unpredictable, no matter how professional or skilled an employee may be

The list could go on and on, but the key takeaway here is that massage therapists need to be covered because the risk is always going to be there.

Consolidated liability coverage empowers employees

But massage therapy does not have liability insurance coverage all Especially for the benefit of you, your practice and your patients. It’s also an important piece of the puzzle for employees, such as the massage therapist who works for you. Massage therapists can (and probably should) invest in their own professional liability insurance, but that doesn’t mean you can’t offer them coverage under your policy.

When you offer a massage therapist who works in your office the peace of mind that comes with liability protection, you’re giving them the opportunity to do their job better. In other words, if they’re not constantly worried about what might happen when a claim rolls in (accidentally, allegedly, or in between), they’ll be more empowered to do their job well.

While massage therapy liability insurance at your chiropractic office may cost more than previous plans, it is a very powerful investment. You are protecting the professional massage therapist and encouraging them to perform to the best of their ability, free of worry about the potential for a claim.

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