What is sports massage insurance?
Working with clients who suffer from different aches and pains requires care, precision and attention to detail. However, even with the most meticulous methods, you could still be deemed negligent in some way, which is why having sports massage insurance is essential.
Without this, you could be facing extremely costly legal action if one of your clients gets injured. Not only this, you would also be liable if you damage third party property.
Fortunately, we offer bespoke sports massage insurance to protect you against the above and more. This cover includes Public Liability, Professional Indemnity, Personal Accident, Loss of Earnings, Employer’s Liability, Sports Equipment and Worldwide cover.
Why do I need Public Liability insurance?
When you’re treating someone who already has an injury, the last thing you want is to make their injury worse.
However, for all the training and expertise required to be a sports massage therapist, there may be the odd occasion where something goes wrong due to factors beyond your control.
If a client ends up injuring themselves during one of your massage sessions and they blame you for their injuries, you may find yourself on the end of a costly compensation claim, which is why you need Public Liability insurance.
Public Liability insurance protects your legal liability if a claim is made against you for injury to another person or property damage.
Our Public Liability insurance includes up to £10 million of cover.
This includes up to £1 million of Professional Indemnity cover, protecting you from any claims made following advice you give to a client regarding their injuries.
Why do I need Personal Accident cover?
While your job is primarily to relieve injuries, you’ll be well aware of the risks of sustaining an injury yourself.
There’s always a chance you could trip over the massage table and end up injuring yourself which may leave you unable to work and in need of medical treatment.
To help you mitigate the impact of such injuries, we provide Personal Accident cover up to £50,000, which covers you if you’re admitted to hospital or require physiotherapy or dental treatment.
This cover also provides a benefit for accidental death and permanent total disablement.
On top of this, we offer Loss of Earnings cover which provides you with up to £750 a week of compensation for up to 52 weeks.
Why do I need Equipment cover?
As you’ll know, the equipment required to do your job, such as massage tables, can be very expensive and difficult to replace. If your massage table was lost, stolen or damaged and you didn’t have Equipment cover, you’d have to pay for repairs and replacements out of your own pocket.
That’s why Insure4Sport offers Equipment cover for kit up to £250. If your equipment is less than a year old - and you bought it new - we’ll replace it New-for-Old and repair/replace items up to the amount stated in your Insurance Schedule.
Why choose our sports massage insurance?
We understand the delicate nature of your work and the care required to carry it out. That’s why we offer sports massage insurance which is geared towards a wide range of scenarios. Plus, our Worldwide cover extends to USA and Canada so you’ll be fully protected no mater where you are.
Get an instant online quote with us today and make sure you leave nothing to chance.
Sports Massage FAQs
Do you cover other types of therapy under this policy?
No, we only cover sports massage under this policy.
Do you need to see my qualifications?
No, we operate on good faith, so we trust that you are qualified to a minimum standard by a recognised body or have 3 years’ experience which can be evidenced in the event of a claim.
Is there an age limit?
No, we insure persons of any age.
Can you cover me to train other people in sports massage?
No, our cover doesn’t extend to you training other people in sports massage.
Does it matter how many clients I see weekly/monthly etc.?
No, there is no limit to the number of clients you see throughout the policy year, you just need to ensure you see them on 1:1 ratio. For more details on ratio please see our Insurance Scope.
Can I work from home?
Yes, if your home has passed the relevant health and safety checks and is suitable for massage sessions. Just be aware you should notify your home insurer if you conduct part of your business from home and that damage caused will be covered by your home insurance rather than our specialist sports massage policy.
Can I work overseas?
Yes, you can add Worldwide cover so you’re protected abroad and unlike some other insurers our Worldwide cover includes USA and Canada. However, you must still remain a UK resident.
Will my equipment be replaced on a new for old basis?
Yes, for items purchased new which are less than a year old, subject to satisfactory proof of ownership and a single article limit of £2,500. Items older than one year will be replaced on the indemnity value of that equipment at the time of loss or damage.
Is there any excess in the event of a claim?
An excess is only applicable to Personal Accident claims relating to Hospitalisation, Emergency Dental, Physiotherapy, Loss of Income and Sports Equipment.
Public Liability Insurance covers you for third party injury or damage to property.
Professional Indemnity Insurance protects you from legal action following advice given.
Provides financial support should you receive an injury whilst carrying out the activity which you are insured and you are unable to work. The maximum benefit period for this cover is 52 weeks. There is an excess of 14 days on this section.
Personal Accident Insurance (sometimes referred to as Sports Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.
insure4sport provides a benefit for Accidental Death, Permanent Disablement, Loss of Limbs and Sight up to £50,000. Plus there is cover in place should you require Physiotherapy or Emergency Dental Treatment. We will also financially compensate you should you require a hospital stay or break a bone.
Provides protection against loss of, theft or damage to your valuable sports equipment should the unthinkable happen. Cover for items less than a year old is on a new for old basis. A Single Article Limit of £2,500 and a £50 excess applies to all claims. Sports equipment excludes bicycles and bicycle accessories. This cover is however available through our bespoke bicycle product “Cycleplan”. Please visit www.cycleplan.co.uk for further information.
Employers Liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. If you are a business or employee people this is a legal requirement.
If you employee volunteers you should still select the option but leave the wage roll values clear.
Participant to Participant Liability provides cover if one of your participants/players injures another participant/player during a sport where tackles, scrums, mauls, or throws are permitted (e.g. football or MMA). If you’re a coach or instructor, and you are deemed liable, then you will be protected.
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