Massage Therapy Insurance in Australia

Whether for asset protection or reputation security, you need to consider a safety net for your finances.

Massage therapy is a broad practice. One moment you’re helping clients heal pain from a serious injury, and the next, you’re helping an overworked client rejuvenate. With every therapy you provide, you’re essentially a health care provider. But just as in any other profession, you are liable for any mistakes or damages that may happen whilst in the course of your massage therapy session. And this can quickly escalate to a client filing a claim against you.

Why do massage therapists need insurance?

As your clients put the care of their bodies into your hands, there will be liability and some risks on your part. If a client claims their condition worsened after your treatment, your reputation is then put at risk. Dealing with the financial and legal consequences of this may not be easy. The risks, however, can be mitigated with liability insurance for massage therapists.

What kind of insurance do massage therapists need?

In protecting yourself and your business against the financial burdens from untoward incidents, consider combining professional indemnity with public and products liability insurance packages.

Professional Indemnity/ Medical Malpractice

This insurance may protect you when someone claims compensation from alleged negligence on your part as a massage therapist. Say a client sues you for allegedly giving a massage treatment that worsened his injury and asks for financial compensation. Professional Indemnity Insurance will cover your legal representation cost and the payment you must make for the claim.

Public Liability Insurance

Public liability insurance protects you from any third-party personal injury or property damage that could happen in your workplace, in public while you’re doing business, or at your client’s place. Suppose a client or visitor trips while on your business premises, the public liability insurance cover takes care of the consequent financial situation.

Product Liability Insurance

This insurance protects you from financial liability if any third-party personal injury or damage is caused by the products you sell or supply. Suppose some clients claim developing rashes from a product you sold and ask for compensation, Product Liability Insurance can cover legal costs.

Other Business Insurance Products for Additional Protection

After combining professional indemnity and public and products liability insurance, consider this next list of products for full coverage of your massage therapy business or profession as a massage therapist.

Management Liability

is specifically for private companies and covers claims of wrongful management, employment practices breaches (wrongful dismissal or discrimination actions), crime (theft by employees or third parties), tax audit, and statutory fines and penalties.

Business Insurance

This protects your business, covering equipment and property damage from accidents, losses due to theft, fire, glass but not limited to. You may also want to consider Business Interruption, for the potential loss of income, under certain sections of the business policy.

Tax Audit Insurance

Whether you run a small or large business or work as a massage therapist contractor. This insurance policy will cover your business for tax auditing by the ATO.

Cyber Insurance

If you maintain a website or a digital record of your customers’ personal information, especially online, you are at risk of a data breach. This policy covers you from data theft.

Workers Compensation

Workers’ compensation is vital to help cover costs related to an injured employee during business hours.

Personal Accident and Illness Insurance

This insurance is for every individual who is taking the time to recover from an injury or illness and unable to work.

Get in Touch with Sparrow Insurance

Every day, you see clients suffering the consequences of unergonomic working set-ups and poor posture. Sure, you might be an expert at helping clients with these conditions. But remember: a client complaint can do so much for your business or profession as a massage therapist.

Safeguard your business with a massage therapy insurance package with Sparrow Insurance. We can assist you with the suitable insurance in place through our network of insurers in Australia.

Let us know your requirements so we can arrange a customised insurance package unique to your needs.

Get an insurance review or request quotes online now.

FAQs
What are the standard features of this insurance type?

This insurance comes with standard policies like public liability insurance. We can help you customise your package, which will depend on the type of business you have. A mobile salon will have varying policies from one that is stationary in a commercial place. Get in touch with us for a full product disclosure statement.

How do you calculate the payment for this insurance package?

The rate is calculated based on different factors like the total business assets, size, and location of the massage business. For a quick quotation process, request a quote online.

Do I need a worker's compensation insurance?

Worker’s compensation insurance is a mandatory insurance policy in Australia; however, the rules and regulations vary from territory and state. If your staff gets injured or ill during your business activities, they can use worker’s compensation insurance to cover medical bills and other costs.

Is there a fee for additional coverage?

Extras in insurance cover come with additional fees.