When Is Massage Therapist Liability Insurance Required?
Depending on where you live, you may have to carry liability insurance to get your massage therapy license. Check out the table below to learn whether your state requires liability insurance as a condition for licensure. Be aware that although some states don't have liability insurance requirements, the local permitting agency might, so be sure to check the laws of your city or municipality, too.
Some states require massage therapists to carry liability insurance to get their license.
Another consideration is that even if you can get your massage therapy license without first having insurance, you may need coverage to fulfill contract requirements, especially if you plan to freelance. Most facilities won't hire healthcare workers unless they have Malpractice coverage.
If you are employed full-time, some employers might require you to have individual insurance because a lawsuit could potentially demand more than their policy limit. You might also want to be named as an additional insured if you are partnering with another therapist.
Carrying Professional Liability Insurance is a good way to find work more easily, even if it's not required. Having coverage demonstrates that you are professional and serious about your work, which can distinguish you from other job candidates or competitors.
Next: Preventing Massage Liability Claims