Here are some key factors to consider when choosing an insurance provider as a therapist:
Coverage:
Public Liability Insurance: This is essential and covers you if a client gets injured or their property is damaged due to your work.
Employers' Liability Insurance: This is mandatory if you hire other massage therapists.
Additional Coverage: Consider options like legal expenses insurance, personal accident insurance, product liability insurance (if you use massage products), and business interruption insurance (if you can't work due to an accident).
Cost:
Get quotes from multiple providers to compare prices. Be sure you understand what each quote covers before making a decision.
Reputation:
Research the reputation of the insurance companies you're considering. Look for reviews from other massage therapists and check the company's financial stability.
Customer Service:
Choose a provider with good customer service that is easy to reach and can answer your questions about your policy.
Specialisation:
Some insurance providers specialise in massage/beauty therapy insurance and may offer tailored coverage and additional benefits.
Here are some additional tips:
Contact your professional massage therapy association. They may have recommendations for insurance providers.
Read the policy details carefully. Make sure you understand what is and is not covered by your policy.
Don't be afraid to negotiate. Once you have quotes from a few providers, you may be able to negotiate a lower price.
By following these tips, you can choose an insurance provider that will protect you and your massage/beauty therapy business.
Check out our insurance partners here https://www.holisticzonetraining.co.uk/insurance