What laws mandate massage therapists to hold insurance?

There are no laws in Australia relating to insurance that massage therapists must hold. But for groups, like Massage and Myotherapy Australia association, a member may be required insurance. You may also need it when you gain an approved provider status with private health funds. For all massage therapists, insurance is vital, considering the price of facing claims for compensation alone.

How will my lack of insurance affect my clients?

In the latest news, clients can only claim a rebate from their health fund if you are a recognized provider of that fund. To be recognized, you must hold a Professional Indemnity insurance policy. The minimum coverage may vary depending on the fund.

Professional Insurance for Massage Therapists in Australia

Be free from financial stress—get the right insurance protection

Insurance for Massage Therapists

A massage therapist like you works magic on easing people’s body pain. But who relieves your stress or covers your legal costs when suddenly a client alleges you of causing him pain or someone trips in your office and requires compensation?

That is why insurance for massage therapists is vital. With proper protection, you can save yourself from financial stress.

What kind of insurance does a massage therapist need?

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

Professional Indemnity /Medical Malpractice

This insurance may protect you when someone claims compensation from alleged negligence on your part. 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

This insurance cover protects you from any third-party 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 business 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 insurance products for your protection

After combining professional indemnity and public and products liability insurance, consider this next list of products for full coverage of your profession and business.

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 cover 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 massage business or work as a contractor. This insurance will cover your business for tax auditing by the ATO.

Cyber Insurance

If you maintain a website or a digital record of your clients 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.

Why massage therapists need insurance

Imagine a client sues you for a car accident he encountered after leaving your business premises. He claims that an unexpected muscle spasm resulting from the massage you gave him resulted in the accident. This may result in your client requesting compensation to cover ongoing massage or medical treatment. What do you do then?

This is when Sparrow Insurance and its insurance product becomes important.

Why Choose Sparrow Insurance

Insurance for a massage therapist is not easy to get by, so Sparrow Insurance addresses your needs by making your insurance policy readily accessible.

Get detailed and easy-to-understand policy information and what each product would cover.
Instantly see price and request quotes, and purchase with just one click.
Manage, adjust, or renew your policy anytime or renew, and get assistance when filing complex claims and requesting certificates of insurance because every Sparrow Insurance broker is just a phone call away.

Protect your profession and your business. Get a quote now!

FAQs

What insurance do I need if I am operating my massage therapy business from home?

Even if you operate your massage therapy business from home, you still need massage therapists insurance, as there’s still the risk of clients attempting to sue for professional negligence.

General Advice Warning

This advice has been prepared without taking into account the client's objectives, financial situation or needs.

Because of that, before acting on the above advice, the client should consider its appropriateness (having regard to their objectives, needs and financial situation).

If the advice is related to the acquisition of an insurance contract, the client should obtain a Product Disclosure Statement relating to the product before deciding whether to acquire it.

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