The Top 4 Dangers Of Not Having Massage Student Liability Insurance
When you are working as a massage therapist, you need insurance to protect yourself. However, you also need insurance to protect yourself as a student. You should get the appropriate insurance for students who are working in the field and completing their apprenticeship. Plus, you need to make sure that you have avoided the four things listed below. The four dangers that you see below could stall your career or stop it before it starts.
As you search for insurance, you need to remember that people can file lawsuits against you as a massage therapist. A client might say that you did not do a good job, or they could even claim that you hurt them during the session.
Because of this, you need insurance that will pay for any judgments that might be levied against you. Plus, you should look for insurance companies that will provide you with a lawyer who will represent you during the case.
If you have been sued or have a judgment against you, you might not get certified or licensed as a massage therapist. The licensing body might tell you that they cannot license you because you have lost a judgment before you file for your license. Plus, you may have problems getting reinstated. Some people actually need to go back to school because the licensing body wants them to take some courses again.
Some schools will drop you from their program because they do not want to have any negative attention. These schools might have told you that you need to get insurance, and you could be kicked out of school because you did not do what you were asked to do. Plus, you should compare insurance companies such as Massage Magazine Insurance to find the best rate. Also, look for a company that will provide you with student insurance. Student insurance tends to be cheaper than traditional insurance, and it is very important for you to work with a company that will help you set up automatic payments.
If you are not missing any payments, you do not need to worry about your insurance lapsing. Plus, you should ask the insurance company if they have multiple ways for you to pay. If the insurance company has an app, you should make your payments in the app. Plus, you might want to make use of their website so that you can print out your policy or send an email to the company because you have questions about your policy.
When you lose a judgment after a lawsuit, you will lose your savings. The insurance company will pay any judgments that have been levied against you, and you will not be asked to pay anything out of your own pocket. Yes, your premiums may rise. However, the insurance company will continue to cover you.
If you are trying to start a new career, you will start behind the rest of your classmates because you do not have any money to spend as your career begins. You do not want to feel like you must work constantly simply to pay off a lawsuit.
The insurance that you get as a massage student is the same as the insurance you would get while you are working. You should work with an insurance company right now to get the coverage that you need. Plus, you should make sure that you have set up automatic payments. You do not want your insurance to lapse, you surely do not want to have problems with your insurance while you are trying to gain your certification.