Insurance for Massage
Therapists
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Insurance for Massage Therapists
You help provide your clients with important rest and relaxation. The right insurance could remove some of the stress that comes with running your own business.
Why Do Massage Therapists Need Insurance?
Massage therapists face many risks that are unique to the hands-on service they provide, on top of the everyday threats associated with running a small business. An unexpected claim or lawsuit can be expensive and possibly bruise your professional reputation. In a worst-case scenario, these events could put you out of business permanently.
Insurance for massage therapists helps you manage the pain points of running a massage therapy business. Whether it’s accidentally injuring a client, providing incorrect advice, or needing to hit pause due to an unexpected business interruption, insurance can help protect you and your small business.
Did you know?
Public Liability* insurance may be required to sign a commercial lease for your massage rooms or day spa. It is also useful for mobile massage therapists who frequently provide services in people’s homes or other third-party spaces.
What Insurance Do Massage Therapists Need?
Insurance can help keep your massage therapy business fit and nimble. Many massage therapists consider policies such as:
Professional Indemnity*
Clients trust your knowledge and expertise to treat their ailments, help them relax, and promote their general health. This makes massage therapists susceptible to many of the same risks as other health providers. Providing misleading advice or simply making an error leaves you open to negligence claims that could potentially cripple your small business and ruin your reputation.
Professional Indemnity (PI) insurance covers you for losses claimed by a third party due to actual or alleged negligence in your professional services or advice. PI provides cover for acts of professional wrongdoing, such as:
- Providing misleading advice
- Damaging or losing documents
- Breaches of duty (including breaking confidentiality and violating a client’s privacy)
- Defamation (slander or libel)
- Intellectual property and copyright infringements
Protect your business today.
Public Liability*
In-spa and mobile massage therapists often buy Public Liability insurance to help take some of the pressure off their finances. Whether you’re treating clients in your practice or helping them relax at home or in their workplace, you could accidentally injure someone or damage their property. Even if it is a simple mishap, an expensive claim or lawsuit could still follow.
Public Liability insurance covers you for third-party claims alleging that your negligent business activities caused them personal injury (not covered by the ACC) or property damage.
These policies cover claims made by members of the public. This includes your clients but also suppliers, delivery people, and other people you might interact with (as long as they are not your employee).
Business Insurance*
Business Insurance is a convenient way to cover a range of common business risks that your massage therapy practice may face. You can customise your Business Insurance package to include coverage that fits the unique needs of a massage therapist.
Massage therapists often consider creating a Business Insurance package that includes:
Portable Equipment Insurance*
Mobile massage therapists carry everything they need to help their clients relax. A broken massage table or chair would be a major setback to your business. But a lost or stolen Bluetooth speaker or mobile phone could also make it hard to help clients unwind or accept payments. Insurance covering your tools of the trade could help you replace or repair items that are essential to your massage business.
Portable Equipment insurance covers loss and damage to your tools and equipment due to theft, fire and other hazards listed in the wording anywhere in New Zealand. Rather than paying for repairs or replacing expensive equipment from your own accounts, your Portable Equipment policy will pay these costs for you.
Property (Contents)*
If you run a small massage therapy practice or day spa, you may want to protect the gear and supplies you keep on hand. A fire, flood or another unexpected event could lead to costly repairs or replacements. The last thing you need is damaged retail stock or broken equipment draining your accounts.
Property (Contents) insurance covers loss of or damage to items such as business equipment, stock, plant and machinery, records, fixtures and fittings and furniture belonging to you at the insured location.
Business Interruption*
Being forced to pause your business for days, weeks, or even months is stressful. The bills don’t stop just because fire, flood or property damage mean you need to temporarily close shop. You may want protection to help keep things going until you can get back to business as usual.
Business Interruption insurance covers loss of income due to an interruption to your business following an insurable event. It is also designed to help your business to recover by paying ongoing expenses, such as wages or rent for temporary premises.
Cyber Liability*
You may not think that a massage therapist needs to worry about hackers. However, your small business might keep info on file that cybercriminals want, like client details and credit card numbers. And even if they don’t want to steal data, they could come after your hard-earned money by holding your systems ransom or hitting you with a false billing scam.
Cyber Liability insurance covers losses from claims arising from data breaches, business interruption and remediation costs following an actual or threatened data breach. This includes expenses related to data recovery, forensic investigation, and crisis management, along with fines and penalties imposed on your business.
*This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
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Need Help?
Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals.
You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents.