Massage Therapy Insurance Michigan Policy Information
Massage Therapy Insurance Michigan. 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 Michigan liability policy of your own.
Massage therapy insurance Michigan 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 Michigan, 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 Michigan 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 Michigan 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 Michigan 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.
Michigan 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.
Michigan Economic Data And Business Insurance Requirements
Business owners who are interested in establishing operations Michigan must have a thorough understanding of the state's economy. They should also familiarize themselves with any regulations and limits that state may have in place for commercial insurance.
Any entrepreneur who is thinking about starting a business in the Great Lake State first needs to determine if it's a feasible location for business operations. As such, it's important to have a keen understanding of pertinent details regarding the economy of Michigan, in addition to the types of insurance coverage that are mandatory for corporations that operate within the state.
Economic Trends for Businesses In Michigan
After a long period of stagnant job growth in the early part of the 21st century, MI has been experiencing a steady increase in employment gains. Between 2009 and 2018, the state has enjoyed a period of uninterrupted job growth; the longest stretch of job growth since World War II. According to economists at the University of Michigan. While there has been a slight decline in the rate of job growth, job creation continues and forecasters say will continue for the next two years, into 2021.
In 2018, an estimated 55,200 jobs were created; in 2019, it's expected that 35,800 jobs will be created, and in 2020, economists believe that there will be a total of 39,300 jobs created in Michigan. While that rate of growth is 1.9 percent slower than the job growth rate between 2011 and 2016, it is still a steady increase overall. In total, approximate 683,200 jobs will be created in MI between 2099 and 2020; almost four out of the five jobs that were lost during the early part of the 21st century will be recovered.
While the unemployment rate has steadily improved, it is still above the national average. In March of 2019, the national unemployment rate was 3.8 percent, while in the state of Michigan, it was 4.0 percent. Mid-Michigan has experienced the largest growth rate in the state, and according to forecasters, it looks like that trend will continue, moving forward. Industries that are expected to see the most growth include:
- Energy, due largely to research and development in clean energy
- Food and agriculture
- Transportation and mobility
- Healthcare industry
- Information and technology
In the state of MI, business owners are not legally required to carry liability insurance; but most entrepreneurs opt to invest in a General Liability or Business Owner's Policy (BOP). A commercial auto insurance policy is also required for any businesses that use motor vehicles to conduct any aspect of their business operations. Workers' compensation insurance is also required for any businesses with non-owner employees. While the following forms of coverage are not required, depending on the type of business you operate, they are recommended:
- Data breach insurance
- Business income insurance
- Commercial Umbrella insurance
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.
Request a free Massage Therapy Insurance Michigan quote in Adrian, Allen Park, Allendale, Ann Arbor, Auburn Hills, Battle Creek, Bay City, Berkley, Beverly Hills, Big Rapids, Birmingham, Burton, Cadillac, Clawson, Coldwater, Cutlerville, Dearborn, Dearborn Heights, Detroit, East Grand Rapids, East Lansing, Eastpointe, Escanaba, Farmington, Farmington Hills, Fenton, Ferndale, Flint, Forest Hills, Fraser, Garden City, Grand Haven, Grand Rapids, Grandville, Grosse Pointe Park, Grosse Pointe Woods, Hamtramck, Harper Woods, Haslett, Hazel Park, Highland Park, Holland, Holt, Inkster, Ionia, Jackson, Jenison, Kalamazoo, Kentwood, Lansing, Lincoln Park, Livonia, Madison Heights, Marquette, Melvindale, Midland, Monroe, Mount Clemens, Mount Pleasant, Muskegon, Muskegon Heights, New Baltimore, Niles, Northview, Norton Shores, Novi, Oak Park, Okemos, Owosso, Pontiac, Port Huron, Portage, Riverview, Rochester, Rochester Hills, Romulus, Roseville, Royal Oak, Saginaw, Sault Ste. Marie, South Lyon, Southfield, Southgate, St. Clair Shores, Sterling Heights, Sturgis, Taylor, Traverse City, Trenton, Troy, Walker, Warren, Waverly, Wayne, Westland, Wixom, Woodhaven, Wyandotte, Wyoming, Ypsilanti and all other MI cities & Michigan counties near me in The Great Lakes State.
Also find MI local small businesses by General Liability Class Code and learn about Michigan small business insurance requirements for general liability, business property, commercial auto & workers compensation including MI business insurance costs. Call us (313) 344-7177.