Business insurance for Sports massage therapists

Professional treatment insurance for sports massage therapists

Due to the intimate nature of your profession, there’s always the risk that a client could claim they’ve suffered an injury or illness because of your actions or advice. That’s why we’ve developed professional treatment insurance for businesses like yours. It protects against the cost of settling or defending a claim that there is a problem with your work, including malpractice claims.

What claims does this kind of treatment insurance help with?

We offer protection against a wide range of risks. Bodily injury and mental injury are covered, along with disease or death arising from business activities. Our sports therapy and massage insurance also covers death or disease because of a good Samaritan act, where you administer treatment at the scene of a medical incident. Typical scenarios covered include:

• If a client sustains an injury because you make a mistake during massage treatment. For example, if you make an existing condition worse during a massage.
• If a client claims you supplied them with bad advice. We also provide insurance for relaxation massage businesses.

Public liability insurance for sports therapists

No matter how safe you are, there’s always the possibility that a member of the public could be injured, or have their property damaged as a result of your business. Public liability insurance for sports massage therapists could cover you for the defence or settlement of a court case – which could otherwise have a large financial impact on your business.

Public liability insurance could cover you if:

•  A client is injured on your premises. For example, if they slip and fall on a wet floor
• A client’s property is damaged by your business. For example, because you knock over and break an expensive possession while visiting a client in their home.

More about Hiscox Public Liability Insurance

Employers’ liability insurance for sports therapists

Do you employ other people in your sports massage business? If so, there’s always a chance that they could become injured or ill because of something that happens at work. This could result in them taking legal action to seek compensation from you. And if you were exposed for breaking health and safety regulations, you could be prosecuted.

Employer’s liability insurance can give you the protection you need in these situations, potentially covering the cost of defending or settling legal cases. However, it’s worth noting that this kind of sports therapist insurance only covers your employees, and it doesn’t protect you personally.

More about Hiscox Employers’ Liability Insurance

Do I need both public liability + employers’ liability insurance?

If you employ one or more members of staff, your business is legally required to have employers’ liability insurance. Public liability insurance is not required legally, but many businesses that serve members of the public think that this kind of sports massage insurance is essential. It’s worth noting that your employees are not covered by public liability insurance.

Personal accident insurance

Our personal accident insurance is designed to support you, as a sports therapist, if you or a key employee are unable to work due to an accidental bodily injury. The sudden loss of a member of staff could have a significant detrimental effect on your business. This sports massage and therapy insurance can help protect against the financial impact by providing your business with a lump sum or weekly amount up to the limit of your cover.

More about Hiscox Personal Accident insurance

Cyber and data insurance

As a sports therapist, computers might not be an integral part of your business, but you probably still use them for record-keeping or appointment-booking. If you do, there is always the risk of being attacked by a hacker or experiencing a data leak. In these situations, cyber and data insurance could be very helpful. This kind of sports massage insurance protects you against potential legal and recovery costs in the event of an incident, while providing you with year-round peace of mind.

More about Hiscox Cyber and Data Risks Insurance

Office insurance

Our office contents policy protects home or office-based small businesses against the cost of replacing or repairing your business equipment if it is accidentally damaged, lost or stolen. You can also add a range of specialist covers to your policy such as:

• Tool cover – cover for equipment which you use as part of carrying out your work, such as massage tables and physiotherapy bags
• Portable equipment – cover for equipment outside of the office, such as mobiles and laptops
• Business interruption – cover for the financial losses that result from being unable to trade due to an unexpected interruption
• Equipment breakdown – cover for the sudden electrical or mechanical breakdown of your office equipment.

More about Hiscox Office Insurance and Office Contents Insurance