Although massage therapy liability insurance in your chiropractic practice may cost more than a previous plan, it is a much more powerful investment.
As a professional chiropractor, you likely invest in liability insurance for yourself, your practice, and those who work directly with your patients. It is a necessary investment to ensure the protection of your patients and staff in the event of a suspected or accidental event. The same goes directly for massage therapists working in your practice with massage therapy liability insurance.
But what is civil liability insurance in massage therapy? And furthermore, is it absolutely necessary to ensure coverage for the massage therapists who work in your practice? The short answer to that last question is a resounding yes.
This guide will dive into the basics of massage therapy liability insurance and why to make sure the massage therapists who work for you should carry their own massage insurance.
What is massage therapy liability insurance?
You are probably familiar with civil liability insurance in chiropractic settings. It is likely that you, your practice and those who work alongside you are covered by a comprehensive policy. But what is massage therapist liability insurance? And moreover, does it work differently than other liability policies?
Massage therapist liability insurance – like other forms of liability insurance – is intended to protect a professional against the risks inherent in the performance of their work. Massage therapists, like chiropractors, work closely with your patients – and with that comes a certain degree of risk (or liability).
This unique type of insurance is designed to cover massage therapists and their unique services in the unlikely and unfortunate likelihood of a claim being made against them, their business, or their service.
Why is massage liability insurance important in a chiropractic context?
This last part of the previous sentence should indicate why your massage therapists’ liability insurance coverage should be so important. If a claim is made against them, their company, or their service, all three can suffer – and if they work within 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 stamp of approval. Hence the need to protect them.
It is your responsibility to protect your practice
When you employ a professional in your practice, whether it’s a colleague in the chiropractic space or a massage therapist, you bring them into your space. Your practice is probably named after you to some degree, which means you are directly responsible for what happens in that space.
If you hire massage therapists for your chiropractic practice and don’t make sure they’re covered by liability insurance, you let the risk take over – and that’s never a good combination in a medical or wellness practice.
Liability insurance ensures that your employees are covered, but more importantly, that your practice is also covered. It is impossible to foresee improbable incidents. And, unfortunately, regardless of the background or composition of your staff, accidents do happen. Allegations also occur.
When you cover your massage therapists with liability insurance, you put the practice first and ensure that massage therapist liability issues cannot impact its future.
It is also your responsibility to protect your patients
You owe your patients the bond that accompanies your employees’ coverage. They deserve to be protected, and liability insurance is one form of that. But more than that, it’s a pact with your patients that you value them and their protection.
You cover a massage therapist because you trust them and want to make sure that patients, the practice, and your employees are taken care of if something were to happen.
Along the same lines, when you hire a new employee to work in your practice – chiropractor, massage therapist, receptionist, etc. – you take responsibility for their actions.
Ask yourself an important question: are you prepared for the unlikely circumstances and the impact on your practice, your patients and your career? without liability insurance?
As much as we would like, we cannot control the actions of others. Employing someone means you are responsible for their actions. This intersection works best when you, your practice, and your massage therapists are covered by liability insurance.
The risk is inherent – hedging is necessary
Every job has inherent and built-in risks. Whether someone walks into a barber shop or stops at an auto shop, risk arises as soon as a patient or customer enters the equation. This is especially true when it comes to hands-on work like massage therapy and chiropractic adjustments.
Coverage for these types of jobs is necessary for many reasons, such as:
- accidents happen
- Claims are always possible
- Practical treatment requires a higher degree of legal protection by nature
- Every action is unpredictable, regardless of an employee’s level of professionalism or skill
The list could go on and on, but the main takeaway here is that massage therapist coverage is necessary because the risk will always be there.
Consistent liability coverage holds employees accountable
But massage therapy liability insurance coverage is not everything specifically for the benefit of you, your practice and your patients. It’s also a crucial piece of the puzzle for employees, like a massage therapist working 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 give a massage therapist in your practice the peace of mind that comes with liability protection, you’re giving them the chance to do their job better. In other words, if they aren’t constantly worried about what might happen in the event of a claim (accidentally, allegedly, or somewhere in between), they’ll be much better able to do their job well.
Although massage therapy liability insurance in your chiropractic practice may cost more than a previous plan, it is a much more powerful investment. You protect the professional massage therapist and encourage them to do their best, without worrying about the unlikely possibility of a claim.