Massage therapists, like so many other professionals, work with the general public. As such, LMTs are also subject to the general risks and liability issues that may arise when a business allows clients onto a property. While walking around the grocery store or getting down from a massage table, an individual may trip, fall, and injure themselves. That person may try to hold the business owner at fault—in this case, the massage therapist.
General liability is the component of a good massage insurance policy that will cover this aspect of general risk for the professional massage therapist. General liability protection, also known as “trip and fall” insurance, serves as a kind of catch-all for accidents that may happen at a place of business that having nothing to do with the products or services being offered. These situations also will have nothing to do with malpractice or error on the part of the massage therapist.
Even the best, most skilled massage therapists can’t predict when a client might trip, fall, and break a wrist. Such accidents can lead to costly lawsuits that can put an LMT’s career and finances at risk—unless that therapist has massage insurance. The best insurance programs for massage therapists include general liability coverage without any additional charge. Coverage limits of $2 million per incident and $3 million per year are the industry standards.
General liability coverage provides a solid foundation to a massage insurance policy. Along with professional and product liability coverage, general liability protection is an essential element of massage therapists insurance. Having general liability coverage allows LMTs to practice with confidence, knowing that they’re covered if something unforeseen and unpleasant should occur that could lead to a general liability claim. Since the annual cost of massage liability insurance is relatively low – especially in comparison to the cost of a lawsuit – getting insured makes good business sense.