Bodyworker Insurance (2024)

Occurrence form insurance helps protect you from the cost of a lawsuit beyond the term of the policy. This means you have extended protection from incidents that occur while the policy is in place, even if the claim arises after your policy has expired. As opposed to “claims made insurance,” which requires the claim to be filed during the policy term, the occurrence form does not have a time limit for a claim to be filed.

MASSAGE Magazine offers only occurrence form insurance to give you the best coverage possible. With our coverage, you don’t have to worry if the claim will be made in time. As long as the incident occurred when you were covered by your bodyworker insurance policy, you are eligible for coverage even if that policy has long expired.

In short, yes. As a student bodyworker, you will be required to study and practice your skills on real clients. Though you will be supervised to a degree, you could be liable if you make a mistake and a client gets injured. Even as a student, you could be sued for the cost of the injuries, loss of income, or property damage. This leaves you vulnerable to paying a high price for your error.

We love investing in the next generation of bodywork professionals and do everything we can to encourage them in their studies. That’s why we offer a deeply discounted student rate of just $49. As a student, you’ll have the same incredible coverage and benefits at a fraction of the cost and your coverage doesn’t expire when you graduate, it lasts a full 365 days.

As a bodyworker, you may use any number of oils, scents, or additives to help your clients relax and heal. While the intention is to enhance your bodywork, it can be a detriment if a client has an adverse reaction to one of these products. If a client has an allergic reaction and needs medical attention, it could mean that you are liable for the cost. A client could demand that you cover their medical bills, lawyers’ fees, and loss of income for any time away from work.

Product liability insurance could help cover the cost of a lawsuit or claim against you. With the protection that product liability insurance offers, you wouldn't have to worry about paying claim costs or legal defense fees if that were necessary.

In today’s online society, you likely have countless ways your information is available on the internet. As a professional bodyworker, you may use social media to promote your services, have a website, or use an online payroll system. All of this data online could be accessed if your identity is stolen. While the rise of the internet has created an excellent opportunity for business, it has also created a great opportunity for identity theft.

Identity theft protection is designed to help you recoup the losses from identity theft. We offer up to $25,000 in coverage as a part of our bodyworker insurance policy. Though other insurance companies leave you high and dry when it comes to identity theft coverage, we want you to feel entirely at ease with your policy.

An annual aggregate is a maximum that an insurance company will pay for your plan. The aggregate is different from the per-occurrence limit, which is lower than the aggregate. This system allows multiple claims to be made within the policy term while providing ample coverage for each claim.

MASSAGE Magazine’s bodyworker insurance policy offers a generous per-occurrence limit of $2 million for general and professional liability claims. Our annual aggregate is $3 million for professional and general liability claims. For product liability claims, we’ll cover up to $2 million in total. We set out limits high to give you plenty of coverage for your bodywork insurance.

There is no precise number of how much coverage is “enough.” For every professional, the answer is a different amount. Some insurance providers will say that $1 million is sufficient coverage for a bodywork professional, while others will say that you’ll need at least $2 million of coverage.

At MASSAGE Magazine, we believe you shouldn't have to worry about the coverage amount, so we set our annual aggregate at $3 million for professional and general liability claims. Our policyholders have the perfect blend of coverage and affordability. We want our members to feel comfortable and confident that their policy is all the protection they need.

Bodyworker insurance is designed to protect professional bodyworkers from the cost of a liability claim or lawsuit. A bodyworker insurance policy from Massagge Magazine Insurance Plus includes the following coverage:

• Professional liability
• General liability
• Product liability
• Personal injury & advertising protection
• Identity theft protection

With the full range of coverage, you don’t need to shop around to find the coverage you need. We’ve combined it into one simple policy. We make it easy to get the coverage you need to have total peace of mind. If you want to have confidence in your coverage, get bodyworker insurance today. It only takes a few minutes to sign up, and your coverage starts immediately.

When a client is hurt while under your care or in your facility, it’s important to keep a level head. You won’t be able to do anything to help if you panic. If a client is injured or hurt, you can follow these simple steps:

• Stay calm
• Get help: If the injury is severe, call 911 and get an EMT there as quickly as possible.
• Write down details: In a crisis, your brain can do some funny things. As soon as your client has medical help, write down all the details you can.
• Contact your insurance provider: You will want to let your insurance know about the incident as soon as you can. Tell your agent the information you know and experienced.
• Take time to process: After a traumatic incident, make sure you take care of yourself and your mental health. Talk to a therapist if you feel like you need help.
• Do your research: Read up on your insurance policy, rights, and other relative information.

The best way to get a discount is by purchasing the two-year policy. We like to reward those who plan to stick with us for a while and offer a discounted rate on our two-year professional bodyworker policy. This option saves you $39 over purchasing one year at a time.

Another discounted rate for bodyworker insurance is the student rate of $49. We love investing in the next generation of bodywork professionals. We make it affordable to get excellent coverage while they learn their skills. At the student rate, up-and-coming professionals can have the same great coverage as our full-time and part-time policyholders but at a deep discount.

It sure does! When you get insured, your coverage starts immediately and lasts the entire term length. Even if you go to a new job, your coverage will follow you wherever you go. This is because your bodyworker insurance is tied to you, not a specific job. Just let us know when you change locations.

If you move across state lines, there is no need to get a new policy. Your coverage will go with you. However, each state may have specific regulations for bodywork professionals. Be sure to read up on the state requirements before making the move.

Not at all. We make it easy to add an additional business location to your policy. When you sign up for insurance, you can add one or multiple businesses to your policy. You can add a single business for $10 for a year or for two years for $15.95.

If you want to spread your talents to more than three locations, you may consider the unlimited additional businesses option for $30. This option means that you can add as many businesses to your policy and have coverage everywhere you offer your services. There is no need to sign you for multiple policies.