Massage Therapy Insurance New York
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Massage Therapy Insurance New York
Massage Therapy Insurance New York. If you are a massage therapist, then you know how to relieve anxiety and stress for your clients, but what about the stress you'd feel if you were sued by a client? If you have the proper amount and type of business insurance in place for your massage therapy business, then the answer will be a resounding "yes."
If not, you may be leaving your business and your own financial future at risk and exposing yourself to potential litigation and legal actions. Even if you work for a massage parlor, you are still at risk of being sued. You may have some form of protection in the form of liability coverage provided by your employer, but you should still check to see that the coverage levels are such that you won't experience a financial disaster if a large claim is awarded against you. Fill in those coverage gaps with a massage therapy insurance New York liability policy of your own.
Massage therapy insurance New York protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
You take pride in your work as a masseuse, but are you protecting yourself from financial fallout that might occur if someone sues you? Although you are careful in your practice and do everything by the book, no one is immune from a disgruntled customer who may claim that you injured him or that someone in your employ made a sexual move towards her.
The process of resolving a lawsuit can be lengthy, and even if the claim is unfounded and ends up tossed out of court, you're still out the money of providing a defense against the claims. Business insurance, or specially, massage therapy insurance New York, can help deflect those costs so that your business is not affected by such claims.
Liability Coverage for Massage Therapists
No matter the type of scope of your massage practice, finding the right protection against liability is key. Because litigation and monetary awards for perceived injuries can reach to $1 million or more, the money that you have on hand, including your savings and any assets that you own, can become property of the person suing you if you are not protected. Even if you have very little put away, the claimant, if successful, can also attach herself to your future earnings and cause you a slew of problems.
At the very minimum, you should discuss the following massage therapy insurance New York policy options with commercial insurance agency who is adept at understanding the nuances of the massage parlor niche:
- Professional liability coverage. Protect yourself from lawsuits with this type of coverage. If the courts find that you are liable for an injury related to your services, then you can be liable for costs such as pain and suffering, medical expenses, time lost from work, and the cost of paying an attorney to represent you. This protection prevents loss and poor financial outcomes.
- General liability coverage. If an accident in your facility occurs, general liability coverage is an important type of coverage to own. This can cover everything from scalds incurred from heated stones to a client slipping on your floor in the reception area.
- Product liability coverage. If a client has a negative reaction to oils or other items that you use during the course of treatment, product liability coverage can pay for related losses.
The cost of this type of massage therapy insurance New York is usually less than a couple hundred bucks annually. This buys your massage business millions of dollars in liability coverage, making it a completely feasible business expense.
In-Home Massage Providers
More and more people are providing in-home massage services, and if this describes your situation, then you need to have the right massage therapy insurance New York coverage in effect to take care of any accidents or losses experienced by clients in your home. While you can usually add a rider or addendum to your homeowner's policy to cover the risk of doing business at home, you may be better off with a standalone policy instead. Speak with your commercial agent to glean a better understanding of the benefits of a policy that covers just your own particular business activities at home.
Rented Massage Business
For massage therapists who rent their work areas from a small business owner or a medical professional, there are a few things to consider, including ensuring that you have a sufficient level of insurance for the perils you face. Even if you have to buy your own policy, it is a good idea to do so because being unprotected in a litigious world can lead to financial ruin. Always check the massage therapy insurance New York coverage level and compare it to what you can afford to be out of pocket if a claim that surpasses your policy's limits is lodged against you.
You may also wish to purchase rental coverage on your facility. This will cover costs of replacing any equipment damaged due to burglary, fire or other losses.
Work with a seasoned commercial agent to determine your particular risks and the right protection for your business to ensure your healthy business growth and success.
Request a free Massage Therapy Insurance New York quote in Albany, Amherst, Auburn, Babylon, Binghamton, Bronx, Brookhaven, Brooklyn, Buffalo, Clarkstown, Clay, Colonie, Elmira, Glen Cove, Greenburgh, Hamburg, Hempstead, Huntington, Islip, Ithaca, Jamaica, Jamestown, Long Beach, Manhattan, Middletown, Mount Vernon, New Rochelle, Newburgh, Niagara Falls, Orangetown, Oyster Bay, Perinton, Poughkeepsie, Queens, Rochester, Rome, Rye, Schenectady, Smithtown, Southampton, Staten Island, Syracuse, Tonawanda, Troy, Union, Utica, Watertown, West Seneca, White Plains, Yonkers and all other NY cities. Also see Massage Therapy Insurance Pennsylvania, Massage Therapy Insurance New Jersey, Massage Therapy Insurance Delaware, Massage Therapy Insurance Kentucky, Massage Therapy Insurance California
Quotes from leading small business insurance carriers including: ACE, AmTrust, Builders & Tradesmen's, Chubb, CNA, Employers, Foremost, Guard, Hiscox, Liberty Mutual, Markel, Nationwide, Penn America, Philadelphia, Progressive, Scottsdale, The Hartford, Travelers, USLI, Western World, Zurich & others.