Massage Therapy Insurance Hawaii Policy Information
Massage Therapy Insurance Hawaii. Therapeutic massage applies pressure to the muscles or connective tissues of the body using a number of techniques designed to relieve pain and stress and promote healing. Massage is generally done using the hands and fingers, but the therapist can also use elbows, knees, feet, or even mechanical aids.
Services may be provided at the therapist's premises, at a spa, at the workplace or in the client's home. Individual therapists may be certified by the National Certification Board for Therapeutic Massage and Bodywork. Some therapists receive formal training while others serve an apprenticeship in order to learn the various techniques.
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 Hawaii liability policy of your own.
Massage therapy insurance Hawaii 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 Hawaii, 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 Hawaii 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 Hawaii 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 Hawaii 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.
Commercial Massage Businesses
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 our litigious society can lead to financial ruin if you are sued. Always check the massage therapy insurance 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 filed against you.
You may also wish to purchase rental coverage on your leased space. 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.
Hawaii Therapeutic Massage Risks & Exposures
Premises liability exposures are low due to the limited number of visitors to the premises. To prevent trips, slips, and falls, all areas accessible to patients must be well maintained with floor covering in good condition. The number of exits must be sufficient, and be well marked, with backup lighting in case of power failure.
Steps should have handrails, be illuminated, marked, and in good repair. Housekeeping should be excellent and spills must be cleaned up promptly. Parking lots should be maintained free of ice and snow.
Professional liability can be high due to the manipulation of clients' muscles and connective tissues. The exposure increases if the provider fails to conduct thorough background checks to verify employees' credentials, education, and licensing if required by the state. Application of too much pressure can result in temporary bruising or swelling.
The sanitary condition of the therapist's premises and equipment is a primary concern. Clients may be exposed to blood-borne pathogens such as hepatitis, HIV, and AIDS. Finally, inappropriate touching and sexual misconduct must also be considered.
Products liability exposures do not exist unless the therapist sells devices such as braces, canes, or similar equipment. A more typical product exposure involves the selling of oils or other products for client's use between treatments. If the therapist is involved in other aspects of holistic health care, vitamins and herbs may be sold. If products or ingredients are imported directly to the therapist, or the therapist mixes or blends ingredients, the exposure is that of a manufacturer.
Workers compensation exposures are from contact with clients and the possible transmission of diseases from contaminated bodily fluids. Gloves and masks should be worn at all times when bodily fluids may be present. Because of the physical manipulation to the client's body, arm and back injuries are common and the therapist can be accidentally struck by a client. Since therapists visit clients' homes, the possibility of inappropriate client behaviors, attacks by animals, or off-site hazards such as slips, trips, and falls may also be a concern.
Property exposures are usually low because there are minimal amounts of equipment at the therapist's premises. Ignition sources include electrical wiring, heating, and air conditioning systems. The business income and extra expense exposure is very low as operations can be quickly resumed at an alternate location.
Crime exposure is from employee dishonesty. All ordering, billing, and disbursement must be handled by separate individuals. Money and securities are a concern if payments are accepted on premises. Deposits should be made regularly and money should not be kept on premises overnight. Monitoring must be constant.
Inland marine exposures include accounts receivable if the therapist bills clients for services, computers, property in transit, and off premises if the therapist performs services offsite, and valuable papers and records for clients' and suppliers' information. All records and programs should be duplicated and the duplicates kept off site.
Business auto exposures are generally limited to hired and nonownership for employees running errands. If there are owned vehicles, all drivers should be licensed with acceptable MVRs. Vehicle maintenance should be ongoing and documented in a central location.
Hawaii Economic Data, Regulations And Limits On Commercial Insurance
Location is one of the most vital factors that prospective business owners need to take into consideration when they are thinking about establishing an operation. You can have the best possible products and offer the most exceptional services, but if the location doesn't offer a market that can benefit from those goods and services, your business will have difficulty thriving.
As such, if you are an entrepreneur who has set your sights on Hawaii for the headquarters of your business or a new division of an already existing corporation, it's a good idea to familiarize yourself with the state's economic data. It's also important to understand what type of commercial insurance you will need to invest in to protect yourself, your employees, your vendors, and the clients you serve.
Below, we provide a brief overview of important economic data and the commercial insurance requirements for business owners in the Aloha State.
Economic Trends For Business Owners In Hawaii
A state's unemployment rate is a good indicator of the overall economy of the region. It indicates that there are enough jobs available to support the economy, which is a direct reflection of the success of businesses in the state. As of 2019, the Bureau of Labor Statistics indicated that the unemployment rate in Hawaii was 2.6%, 0.8% lower than the national average of 3.4% from the same timeframe. This rate has also decreased throughout 2019, as it was 2.8% in July of 2019.
As with most states, the best locations to start a business in the state of Hawaii include urban areas and the suburban regions that surround them. The top cities for business owners in HI include:
- Pearl City
While several industries do well in Hawaii, certain sectors thrive. Tourism has long been the leading industry in the state, as people from around the globe flock to Hawaii each year.
Agriculture is also a booming industry here; the state is the second largest producer of sugar can in the U.S. Defense is also a key sector here, as all branches off the armed forces have bases located in the state. Another industry that also thrives here is manufacturing; specifically the manufacturing of cotton-based goods, such as clothing.
Commercial Insurance Requirements In Hawaii
The Hawaii Department of Commerce and Consumer Affairs regulates insurance in HI. Hawaii mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Hawaii requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.
Hawaii also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Health & Beauty Insurance
Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Barber Hair Dresser
- Beauty Salon
- Day Spa
- Diet Nutrition Services
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Weight Loss Center
The health and beauty industries help people look good and feel great about their appearance and health. Some of the most popular are:
Cosmetologists - typically can help people with hair styling, cosmetics, and manicures and pedicures.
Estheticians - are trained to work with clients to treat skin care issues.
Hair Dressers & Barbers - offer a variety of services such as; hair cuts, styling, perms, hair dying and highlighting.
Health Club - Gyms, fitness centers, and health clubs focus on promoting healthy lifestyles and active living.
Massage Therapy, Reiki & amp; Acupuncture - can help relieve stress and improve your clients health. Work can be done in a salon, medical office, or home based. Also in your client's homes.
Permanent Makeup & Microblading - Offers coverage for permanent cosmetics, pigment removal and lightening, lasers/IPLs, and needling/MCA.
Salons - Similar to spas, salons are offer customers beauty treatments, services and products.
Spas - Have more exposures for the risks of faulty equipment, products, or unskilled employees that can injure customers.
Tattoo - Tattoo parlor and body-piercing coverage is designed to address the specific risks of artists and their studio.
Yoga & Pilates - forms of exercise designed to improve mind, body and spiritual wellness.
Minimum recommended small business insurance coverage: Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Valuable Papers and Records, General Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivables, Bailees Customers, Fine Arts, Cyber Liability, Employment-related Practices, Environmental Impairment, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.
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Also find HI local small businesses by General Liability Class Code and learn about Hawaii small business insurance requirements for general liability, business property, commercial auto & workers compensation including HI business insurance costs. Call us (808) 300-0578.