Massage Therapist Insurance Ontario

Massage Therapist Insurance

If you work as a massage therapist, then you know how invaluable your skills are. Perhaps you work in a clinic, or own a clinic, and delight in helping people feel more relaxed in a busy world. Or, maybe you work specifically with sport injuries and help athletes recover quickly. Perhaps you help the elderly maintain and improve mobility as they age. There are many massage therapy treatments that are beneficial to the public. But in offering services that are often in an intimate environment where you are responsible for helping bodies heal, you also open yourself up to a range of risks.

However, with the right massage therapist insurance policy you can protect yourself against many of these risks. Your insurance company will help you financially in the event an accident causes you to experience a financial loss. For instance, say a client makes a claim alleging bodily injury because of one of your treatments. With the right massage therapist insurance coverage, you can have peace of mind knowing you're protected from a range of risks.

What is Massage Therapist Insurance?

Essentially, massage therapist insurance in Ontario is a business insurance coverage package that includes a variety of protections for your massage therapy business. Whether you are a registered massage therapist (RMT) or a non-registered massage therapist, it's essential that you have the right insurance coverage. Without proper coverage, you could wind up in serious financial trouble due to a variety of reasons from lawsuits filed against you to a fire breaking out at your workplace.

By working with a licensed Morison Insurance broker, you can have peace of mind knowing you're protected from a variety of perils. All of our brokers are highly experienced and will shop around Ontario's top insurance agencies to find the best massage therapist insurance quote for your business’ needs.

Why is Massage Therapist Insurance Important?

Massage therapist insurance is a crucial coverage to have for all massage therapists. If you don't have coverage and are offering massage therapy services, then you may find yourself liable for significant financial damages and costs in the event that an accident happens. Proper coverage for massage therapists is essential because of the amount of risk you are subject to in your line of work. 

Who Needs Massage Therapist Coverage?

Any health professional who works as a massage therapist needs massage therapist insurance coverage. This includes both registered massage therapists and non-registered massage therapists. Some health care disciplines that need massage therapist insurance coverage include: 

• RMTs and massage therapy clinics
• Kinesiologist
• Acupuncturists
• Osteopathy practitioners
• Physiotherapists
• Reflexologists

Is Massage Therapist Insurance Mandatory in Ontario? 

If you provide massage therapy services and work as a massage therapist, you require massage therapist insurance in Ontario. Your profession opens you up to many potential liability risks. It is important that you protect yourself, your clients, and your business with the proper massage therapist insurance policy.

What is Covered by Ontario Massage Therapist Insurance?

Different insurance packages offer different levels of coverage. Since insurance can be so nuanced and you want to make sure you have the best coverage possible, it's essential that you speak with a licensed broker such as the team at Morison Insurance. We'll walk you through the details of various insurance packages and policies and will provide you with an accurate massage therapist insurance quote so that you can have peace of mind knowing you're properly protected.

Massage Therapist Insurance: Medical Malpractice Insurance

Medical malpractice insurance (also known as professional liability insurance and errors and omissions coverage) is a specialized coverage that is an integral part of a massage therapist insurance policy. It provides coverage in the event that a client or third-party claims they experienced financial losses/financial damages due to your alleged negligence, bad advice, breach of contract or, misconduct and failure to deliver a promised service.

For instance, an example of a claim could be if you were massaging an athlete who relies on their physical prowess for their livelihood. Say you prescribe a set of exercises and they wind up hurting their knee beyond repair as a result of your advice. This could cost them their career and give them license to sue you. With massage professional liability insurance coverage, you could be financially protected from legal fees, defense fees, settlements and medical costs.

Medical malpractice insurance, it is divided into two categories: per occurrence and claims-made insurance. The former covers claims through the policy that was in force at the time the incident occurred.

Thus, you'd be protected for claims filed outside of your insurance coverage as long as the incident happened within the time you had coverage. Meanwhile, policies written on a "Claims-Made" basis refer to the policy in force at the time the claim is made against you, regardless of when the loss occurred in the past. Usually, this type of insurance requires a longer length of coverage in order to protect you and/or your business.

Massage Therapist Insurance: Commercial Property Insurance

Do you own a clinic or a spa? If you are a business owner responsible for a commercial property, then you need commercial property insurance. This type of massage therapist insurance plan will protect your business from a range of perils, including a fire, vandalism and theft. Essentially, commercial property coverage protects the physical building and its contents from external risks.

This does not include internal risks, such as damage that occurs due to poor maintenance or wear and tear. While some perils are not included outright in the policy, such as flooding, sewage or earthquake damage; sometimes you can purchase add-ons that offer additional protection for these perils.

Massage Therapist Insurance: Commercial Auto Insurance

Do you drive to client's homes? Perhaps bringing equipment with you, such as rubber bands, a table, massage oils or sandbags? If so, then you should know that if anything happens, your vehicle and equipment will not be covered under a personal auto insurance policy. This is because the moment you use your vehicle for commercial purposes, it needs to be covered with a commercial auto policy. Otherwise, if you are in a collision while heading to a client's home, you may not be covered.

Massage Therapist Insurance: Commercial General Liability Insurance

Commercial general liability insurance provides coverage for two main arenas: allegations of third-party property damage, and allegations of third-party bodily injury. For instance, say you drive to clients' homes to provide your massage therapy services. If you accidentally knock over a valuable vase or antique while setting up and it breaks, you could be responsible for financial damages.

Likewise, if a client trips on your equipment and falls, you could also be responsible for any medical expenses incurred. Protect yourself with the right insurance policy.

Massage Therapist Insurance: Home-Based Business Insurance

If you operate a massage therapy clinic or service out of your home, then you need to let your insurance provider know asap. If an accident happens and a loss occurs, you will not be covered under a standard homeowners insurance policy.

For instance, say your massage table is stolen or damaged during a break-in. Most likely you will not be covered for this loss under your home insurance policy. Likewise, if you're seeing clients at your residence and an injury occurs, you will need separate coverage for this peril.

Massage Therapist Insurance: Tools and Equipment Coverage

You likely have a few pieces of equipment and tools that should be covered with a massage therapist insurance policy. Some of these tools might include tables or medicine balls. Others may be far more advanced, like a float spa or a cryotherapy chamber.

You should make sure that all aspects of your massage therapy business are properly insured. Replacing damaged or stolen equipment can be frustrating if not downright financially crippling. Don't take that risk. Make sure you're properly covered.

Massage Therapist Insurance: Business Interruption Coverage

In the event that you're unable to work for an insured reason, for instance, say your clinic was in a fire, business interruption insurance will help you maintain your income up to the policy's limits. This will enable you to stay afloat while your clinic is being repaired/replaced. It's worthwhile to note that some business interruption insurance policies will also provide coverage for rent on your commercial space or for employee wages until business is back to normal.

Massage Therapist Insurance: Cyber Liability Coverage

As a massage therapist, you deal with sensitive financial and medical information. Protecting this information is essential. Likewise, it's essential to protect yourself in the event of a hack or cyber attack. If this private information is stolen, you could be in serious legal trouble.

With commercial cyber liability insurance, you're financially protected in case of a cyber attack. This could include helping you pay for legal fees and recuperating other financial losses such as if this information is held for ransom.

Massage Therapist Insurance: Additional Coverage

Your massage therapist insurance coverage can be uniquely tailored to your specific needs. This means you can add-on a variety of coverages, including many of those listed above, to your existing policy. To find out more about what additional coverages your insurance provider offers, make sure you speak with one of our dedicated Morison Insurance brokers.

What Is Not Covered With Massage Therapist Insurance?

Different insurance policies have different limitations, depending on what level of massage therapist insurance coverage you choose. For this reason, it's important to speak with your Morison Insurance broker to fully understand what is and is not included in your massage therapist insurance policy.

For instance, if you're operating out of your home and don't have a home-based business insurance policy, you may not have coverage if your equipment is damaged in a fire.

How Much Does Massage Therapist Insurance Cost?

The cost of massage therapist insurance will vary per provider, by how much coverage you need, and by a range of factors pertaining to your business' size and insurance history. A few of these include, but are not limited to:

• The years of experience you possess.

• How much your equipment costs.
• The size of your business.
• How much revenue you expect to make in the upcoming year.
• Your past claims history.
• Whether you were insured in the past.

The best way to establish how much your unique massage therapist insurance policy will cost is by obtaining a quote from one of our qualified Morison Insurance brokers.

What Information Do I Need to Purchase Massage Therapist Insurance?

It's important to gather all the necessary documents and information needed to get an accurate massage therapist insurance quote. Some of the documents you should prepare before applying for massage therapist insurance include your payroll estimates, information regarding previous claims, and annual revenue estimates. In addition to providing that paperwork, you will also be asked a series of questions as part of the quote application process. Some of these questions may include:

• Do you have insurance now?
• Is this your full-time or part-time job?
• How many employees do you have?
• Have you been canceled/declined/non-renewed in the past five years?
• Have you had any claims in the past five years?
• What are your gross annual revenues?
• Do you travel for work?

How Do I Get an Ontario Massage Therapist Insurance Quote?

Reach out to our friendly and experienced team today to get a massage therapist insurance quote. Each of our brokers are experts at finding our valued clients the best coverage possible at competitive rates. As a family-owned business, it's important to us that each of our clients feel like an extension of that family.

For this reason, we're known for going above and beyond for our clients every day. Building long-term relationships with our customers is one of our top priorities along with finding you the best insurance coverage possible. We can be reached via the online form below, or at 1-800-463-8074.

This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.