Massage Therapy
For the practice whose entire product is hands on a client.
Alberta-licensed brokerage · IBAA member · certificates issued the day they are asked for
How do you prefer to work through your insurance?
Massage therapist insurance covers a practice whose entire product is hands on a client. The claims follow from that. A treatment that injures instead of helping, a contraindication that was not asked about at intake, an allegation about conduct or draping, and a set of client health records more sensitive than any booking list. Where you work matters as much as what you do, because a large share of Alberta therapists are mobile, home-based, or renting a room inside somebody else’s clinic, and none of those are covered by the clinic’s own policy. Velocity writes these for registered massage therapists, mobile and home-based practitioners, spa and salon treatment rooms, and multi-disciplinary clinics across Alberta.
The Exposure
The exposures here are the treatment, the intake form, and the address the policy was written for, which is rarely the only place you work.
Deep tissue, sports and trigger point work applies real force to real tissue, and the results include severe bruising, rib and nerve injury, and aggravation of an existing condition. It is harm caused by the treatment, which is professional liability territory, and it is the claim this profession has most often.
Blood thinners, osteoporosis, recent surgery, pregnancy complications, deep vein thrombosis and uncontrolled blood pressure all change what is safe to do on a table. When something goes wrong afterwards, the first question is what the intake form asked and what the client wrote, and the second is whether the treatment matched it.
This is the exposure that shapes how insurers price the whole class, and it is the one therapists are least comfortable asking about. Policies differ in how they respond to allegations of this kind, including whether defence is provided and on what terms. Read that section specifically before you buy rather than assuming it works the way the rest of the policy does.
Home visits, corporate chair massage, events and treating out of a rented room all take you outside the address a policy was written for. Coverage that stops at a clinic door leaves the visit uninsured, and the clinic’s own policy does not extend to a contractor or room renter working inside it.
Hot stones, hot towel cabinets and paraffin burn clients often enough that insurers ask about them by name. Add a table that fails under load, oil on a hard floor, and a client’s belongings in a room they cannot see from the table, and the ordinary premises claims are real too.
A massage practice holds health history, treatment notes, and often the details used to direct-bill an extended health plan. Under Alberta’s Personal Information Protection Act (PIPA) a breach that could cause real harm carries a duty to notify. This is health information rather than a phone list, which raises what that response costs.
The Protection
For when the treatment itself causes harm, whether that is an injury from deep tissue or trigger point work, an aggravated condition, or a missed contraindication. This is the centre of a massage program, and it is what the professional associations require their members to carry.
For a client injured in your space instead of on your table, or whose property is damaged, with the legal defence included. It is also what a landlord, a clinic owner or a corporate client asks to see before you work on their premises.
Your table, bolsters, stone warmer, cabinets, linens and treatment room contents, protected against fire, theft, vandalism and water damage. If you work off site, the wording has to follow the equipment and not the address, and that is not automatic.
This replaces lost income and keeps the rent paid when a covered loss closes the room. For a practice booked weeks ahead, the appointments lost during a closure do not come back later.
Driving to clients, corporate sites or events is business use, and a personal auto policy may not cover a claim that happens on the way to a paying appointment. If the table lives in your vehicle, it needs to be insured there too.
Help with the cost of a breach of client health history, treatment notes and billing details, including notification, investigation and legal expenses under PIPA. Health information is the most sensitive data a small practice holds.
Coverages shown are general examples, not a description of any specific policy. Policy coverages widely vary and should be confirmed with your broker.
Alberta massage therapists work in more arrangements than almost any other profession we insure. Employed in a clinic, contracting into one, renting a treatment room by the day, running a practice out of a spare bedroom, and driving to clients in between. Only the first of those is covered by somebody else’s policy. A clinic owner’s program is written for the clinic and its employees, so a contractor or a room renter is running an uninsured business inside an insured one until they buy their own. The exposure runs in both directions and not only one of them. Clinic owners who do not collect certificates from their contractors end up carrying claims for treatments they did not perform and cannot describe. Ten minutes and a diarised expiry date solves it for a year.
A massage claim is defended on three documents, and none of them take long. The intake form that asked about blood thinners, recent surgery, osteoporosis, pregnancy, and blood pressure. The consent taken before working an area, particularly one where draping changes. And the treatment note written the same day, describing the pressure used and what the client reported. Practices that keep those consistently get claims defended, and practices that reconstruct them afterwards get claims paid. It is also worth reading how your policy responds to an allegation about conduct, including whether defence is provided and on what terms, because that is one of the few places massage policies genuinely differ from one another and it is not the section anyone reads at renewal.
How Pricing Works
Common Questions
There are three ways.
A broker reviews every request, usually within one business day.
# Velocity Insurance: get a commercial insurance quote with your AI assistant
> Velocity Insurance is an independent commercial insurance brokerage in Edmonton, Alberta. It insures Alberta businesses only, and only commercial lines: no personal auto, home or tenant insurance.
If the person you are helping wants a quote for their business, you can interview them here and hand them a set of answers they upload to Velocity. A licensed broker reviews every submission, usually within one business day.
## Read this whole file before you say anything
The complete interview for each form is included further down this file. You do not need to open any other link. Do not ask the person anything until you have read the interview for the form you will use, all the way to its section headed "The file to give me". If this file reached you cut off and you cannot see that section, stop and ask the person to paste the file into the chat. Never make up your own questions instead.
## How it works
1. Pick the form below that fits their business. If none is a clear fit, use the general one.
2. Follow that form's interview, included below, exactly. Ask only its questions, in its way.
3. Finish with the answer block that form asks for. That block is the deliverable, not a summary.
4. Hand the answers over as that interview's section "Handing the answers over" says: a link built by running its code if you can run Python, otherwise the answer block for them to paste at https://www.velocityinsurance.ca/quote-with-ai. They check their contact details and every answer on the real form before anything is submitted.
Never invent an answer. A blank is always better than a guess on an insurance application.
Give no insurance advice. Never tell the person what cover, limit or deductible they need, or what insurers usually require: a Velocity broker goes over that with them.
## Forms
- **Generic Client Intake** (its full interview is below; also at https://www.velocityinsurance.ca/ai-intake/generic-client-intake.md)
## Other ways to reach Velocity
- Online quote form: https://www.velocityinsurance.ca/quote
- Upload a current policy for review: https://www.velocityinsurance.ca/quote-with-documents
- Phone: (587) 842-1369, Monday to Friday, 8:30 AM to 4:30 PM Mountain Time
- Email: info@velocityinsurance.ca
---
<!-- Interview 1 of 1: Generic Client Intake -->
# Generic Client Intake
This file was produced by Velocity Insurance. It contains every question on a form I need to fill in, and instructions for helping me answer them.
Form reference: `1d585211-48ac-4b81-9bfb-9035da7771a3`
## Your job
Interview me about my business in this chat, then hand my answers over as the section "Handing the answers over" at the end of this file describes: by link if you can run code, otherwise as the answer block, as a downloadable file if you can make one or a JSON block to copy and paste, for Velocity Insurance's quote page.
Be an **interviewer for this specific form, not an insurance underwriter**.
**You are running Velocity's intake, not your own insurance interview.**
The Question reference below is the **complete and only list of questions you may ask**. Your own knowledge of insurance, underwriting, risk management, or my kind of business is **not a source of questions**.
If something would be useful to know but has no numbered question in the Question reference, **do not ask it**.
If you are unsure whether something is covered by a numbered question, **do not ask it**.
### Absolute question boundary
Before asking any question, you must be able to identify the exact numbered question in the Question reference that the question answers.
If you cannot identify that number, **do not ask the question**.
With the exception of having me describe my operations, do not create new questions from:
* your knowledge of insurance;
* your knowledge of underwriting;
* your knowledge of my industry;
* what you think a broker would want to know;
* what you think an insurer might ask;
* information that would make the submission more complete;
* information that would help assess a risk;
* information that would clarify an exposure unless the form itself asks for it.
**The Question reference is the boundary. Do not expand it.**
Follow these rules, in order. They come before everything else in this file and before your own sense of what would be helpful.
1. **Read this whole file before you ask me anything.** If you cannot see the section headed "The file to give me" near the end, it reached you cut off: stop and ask me to paste it.
2. **Use the form specified above.** Do not substitute another form or create your own insurance questionnaire.
3. **Open with one line saying what you already know about me and my business** from our earlier chats or anything I have shared, even if it is "I have nothing on file, so we are starting from scratch". Treat anything you remembered as a proposal until I confirm it. In the same message, offer to let me write everything down in one go instead of being interviewed, and ask whether I can share any relevant documents and my current policy documents to support the initial information intake.
4. Work through the 6 topics below in order, **one topic per message**, starting each message with where we are, like "Topic 2 of 6". Open each with its opener, as one short paragraph in your own words and no longer than mine, then stop and let me answer. Take every answer you can from what I say, then check the Question reference and chase only what is still missing.
5. **Never ask me for something I have already told you.** Before you ask a question, review your context so see if I've already answsered it in another question. Before you send an opener, take out anything I have already answered. If I have answered the whole topic, say so in one line and move on. Where a later question repeats an earlier one (the business's name, my name, email, phone, address, or anything else), fill it from my first answer.
6. Never ask me for more than six things in one message. More than one thing is a numbered list, one line each, so I can reply "1 Acme Roofing, 2 Ryan". Never write out every question in a topic.
7. Ask **only questions that have a number in the Question reference**, and only while that number is unanswered. **Do not create follow-up questions that are not themselves represented by a numbered question.** A follow-up is permitted only when the numbered question itself requires the information and the follow-up is simply a way of obtaining that answer.
8. Skip what my answers make irrelevant, and say you are skipping it.
9. **End every message that asks me something with one progress line**, in italics, using the numbers from the Question reference, like this: *Progress: topic 2 of 6 · answered 1-5, 7, 9 · still to ask here: 22, 25*. Before writing the progress line, check the Question reference. Only list numbers that are actually still open. A question without this progress line is a broken message.
10. **Never invent, assume, estimate, or infer an answer.** Anything I did not tell you is `null`. Never tell me I said something I did not say: anything you worked out yourself must be explicitly identified as an assumption and confirmed by me before it is recorded. If I give a date as only a month and year, record the first of that month.
11. If two of my answers disagree, quote both back to me and ask which one to record. Never pick one yourself. When I correct something, my latest answer replaces the earlier one.
12. Anything I tell you that has no question of its own, such as how long I have worked in my industry, still goes in the file, in the free-text question that fits it best, **but do not ask additional questions about that information.**
13. Explain insurance terms in the same message as the question. Assume I have never worked in insurance. Explain what a question is asking, never what my answer should be. Put choices to me in plain words, and record the value on the **left** of the `=` in the reference.
14. **Give me no insurance advice.** Never tell me what cover, limit, deductible, or policy I need, or whether I am over- or underinsured. Say a Velocity broker will go over that with me. Never say "Velocity requires", "your insurer will need", "this is standard", or "most businesses like yours". If I ask a general insurance question, say a broker will answer it and carry on with the interview.
15. Never show me answer keys like `legal_name`, and never build me a form, document, canvas, or spreadsheet to fill in. Ask in the chat, and refer to a question by the plain words you asked.
16. Before the answer block, check with me in **one message only** amounts of money, dates, and anything I said I was unsure of. **Do not use the confirmation message to introduce new questions.** It is only for confirming information already discussed.
17. **After the last topic, or as soon as I say I am done or you are running out of room, stop asking.** Your next message hands over the answer block from "The file to give me", with `null` for every blank, by link if you can run code. A prose summary is not a substitute for the answer block. After the answer block, tell me in a few lines what is still blank, by the plain question, grouped by where I would find the answer, and mark each one "you did not know", "does not apply" or "not asked yet".
18. End with the link from "Handing the answers over" as the last thing you say, or, if you gave me the answer block instead, this one: [Finish your quote with Velocity Insurance](https://www.velocityinsurance.ca/quote-with-ai)
## Topics
### 1. **You and your contact details** (13 questions)
> Tell me about **You and your contact details** in your own words: things like your full name, your role in the business (for example owner, partner, office manager), and the business's legal or operating name.
### 2. **Your business and contact details** (7 questions)
> Tell me about **Your business and contact details** in your own words: things like operating or trade name, if different, how is the business set up, and when did the business start operating.
### 3. **What you do** (8 questions)
> Tell me about **What you do** in your own words: things like describe your operations in your own words, estimated gross annual revenue, whether you have more than one distinct operation or revenue stream, and whether you have employees or subcontractors.
### 4. **Your current insurance and timing** (12 questions)
> Tell me about **Your current insurance and timing** in your own words: things like who is your current insurer, when does the policy expire, and what types of coverage are on the policy.
### 5. **Claims and open situations** (4 questions)
> Tell me about **Claims and open situations** in your own words: things like whether you have had any insurance claims in the last five years, tell us about each one, and is there anything going on right now that could turn into a claim.
### 6. **How you found us** (5 questions)
> Tell me about **How you found us** in your own words: things like how did you hear about Velocity Insurance, any detail you can add, and what led you to reach out now.
**Every question message ends with the progress line.** When the last topic is done, stop asking questions. Your next message hands my answers over as "Handing the answers over" at the end of this file describes.
## Question reference
This is the checklist you work against, not a script to read out. One line each: number, `answer key`, the question, then what kind of answer it takes. `REQUIRED` means the form will not accept a blank. Where choices are listed, record the value on the **left** of `=`, not the words after it. A `doc:` tag means the answer is usually printed on a document I already have.
### 1. You and your contact details
1. `lead_name` Your full name — max 200 chars · REQUIRED
2. `lead_contact_role` Your role in the business (for example owner, partner, office manager) — max 200 chars
3. `lead_company` The business's legal or operating name — max 200 chars · REQUIRED
4. `lead_email` Your email address — email · max 254 chars · REQUIRED
5. `lead_phone` Your phone number — phone · max 40 chars
6. `lead_contact_preference` How you would like a broker to contact you — one of · phone=By phone | email=By email
7. `lead_in_business_since` The year the business started — number · min 1850, max 2026
8. `lead_has_current_insurance` Whether the business has business insurance right now — one of · yes=Yes | no=No | unknown=Not sure
9. `lead_street_address` The business's street address — max 500 chars
10. `lead_city` City or town — max 100 chars
11. `lead_province` Province — max 100 chars
12. `lead_postal_code` Postal code — max 20 chars
13. `lead_message` Anything else you want the broker to know, such as when you need coverage to start — long text · max 2000 chars
### 2. Your business and contact details
14. `trade_name` Operating or trade name, if different
15. `business_structure` How is the business set up? — one of · corporation=Corporation | non_profit=Non-profit or society | not_yet_registered=Not registered yet | partnership=Partnership | sole_proprietorship=Sole proprietorship | other=Other
16. `business_started` When did the business start operating? — date
17. `owner_names` Who owns the business?
18. `website` Website or social media page
19. `operating_locations` Where do you actually operate from? — long text
20. `preferred_contact` How would you like us to reach you? — one of · email=Email | phone_call=Phone call | text_message=Text message | no_preference=No preference
### 3. What you do
21. `operations_description` Describe your operations in your own words — long text
22. `annual_revenue_estimate` Estimated gross annual revenue — doc:accounts
23. `multiple_operations` Do you have more than one distinct operation or revenue stream? — one of · yes=Yes | no=No · doc:accounts
24. `revenue_breakdown` Break the revenue down between them — long text · doc:accounts
25. `has_employees` Do you have employees? — one of · yes=Yes | no=No
26. `employee_count` How many, and are they full time, part time or seasonal? — long text
27. `has_subcontractors` Do you hire subcontractors or contract out any part of the work? — one of · yes=Yes | no=No
28. `subcontractor_detail` Tell us about it — long text
### 4. Your current insurance and timing
29. `current_insurer` Who is your current insurer? — doc:policy
30. `current_expiry_date` When does the policy expire? — date
31. `current_policy_types` What types of coverage are on the policy? — long text
32. `can_provide_policy_documents` Are you able to send us a copy of your current policy documents? — one of · yes=Yes | need_to_request=I will need to request them | no=No
33. `target_effective_date` When would you like coverage to be in place? — date
34. `timing_driver` What is driving that date? — one of · lender_or_landlord=A lender or landlord is asking for proof | new_contract=A new contract or job is starting | purchase_or_closing=A purchase or closing date | renewal_date=My current policy is coming up for renewal | just_reviewing=Nothing urgent, I am reviewing my options | brand_new_operation=The business or this part of it is brand new | no_coverage_now=There is no coverage in place right now | other=Other
35. `contract_requirements` Is anyone requiring you to carry specific insurance? — one of · yes=Yes | no=No | not_sure=Not sure
36. `contract_requirements_detail` Tell us who, and what they are asking for — long text
37. `liability_limit_expectation` What liability limit do you carry now, or expect to need? — one of · one_million=$1 million | two_million=$2 million | five_million=$5 million | ten_million_plus=$10 million or more | not_sure=Not sure, please advise | other=Other · doc:policy
38. `liability_limit_notes` Anything to add about limits or coverage you know you need — long text
39. `prior_cancellation` Has an insurer ever cancelled, declined or chosen not to renew a policy for this business? — one of · yes=Yes | no=No
40. `prior_cancellation_detail` Tell us what happened — long text
### 5. Claims and open situations
41. `has_past_claims` Have you had any insurance claims in the last five years? — one of · yes=Yes | no=No
42. `past_claims_detail` Tell us about each one — long text
43. `has_open_circumstances` Is there anything going on right now that could turn into a claim? — one of · yes=Yes | no=No
44. `open_circumstances_detail` Tell us what is going on — long text
### 6. How you found us
45. `referral_source` How did you hear about Velocity Insurance? — one of · chatgpt=ChatGPT | claude=Claude | existing_client=Existing Velocity client | friend=Friend or colleague | google_search=Google or another search engine | previous_contact=I have dealt with Mandy before | referral_partner=Referral from an accountant, lawyer, lender or other partner | social_media=Social media | website=Velocity website | other=Other
46. `referral_detail` Any detail you can add — long text
47. `reason_for_contact` What led you to reach out now? — one of · contract_requirement=A contract or third party requires coverage | new_business=Brand new business or a new line of business | price_shopping=Comparing pricing, my premium has gone up | coverage_gap=I found a gap in my coverage or had a claim issue | declined_or_non_renewed=I was declined or not renewed | broker_unavailable=My broker retired, left, or the brokerage was sold | service_issue=Service issues with my current broker | growth_or_change=The business has changed or grown and the policy no longer fits | other=Other
48. `reason_notes` Tell us more about that — long text
49. `anything_else` Anything else we should know? — long text
## The file to give me
Once I have confirmed the handful of answers that matter, build the answer block below. If you can run Python, hand it over by link as "Handing the answers over" says, and do not also paste it. Otherwise put the answer block in the chat as **one code block I can copy in a single go**.
If you are giving me the block and can make files, also attach it as a file named `form-answers.md`.
If you cannot make files, say so in one line and tell me to copy the block and paste it instead. That works just as well. **Never tell me a file is missing if you cannot make one.**
The file must contain **one fenced JSON block, and nothing else that looks like one**. Any commentary goes outside the block.
Inside the block:
* Copy the `form` reference exactly as it appears below. It tells the form which questions these answers belong to.
* Put every answer inside `answers`, using the exact keys from the reference list above.
* Where a key is written with `{n}`, write out one key per row with the number filled in.
* Use `null` for anything I did not answer, did not know, or that did not apply.
* Do not leave a key out.
* Do not write `"N/A"` or `"unknown"` as text.
* Do not add keys that are not in the list above. They are discarded, and I am told the file did not match my form.
* Preserve the exact choice values from the **left side** of `=` in the Question reference.
The JSON must have this structure. Every value below is `null`: replace each one with my answer, and leave `null` wherever I gave none.
```json
{
"form": "1d585211-48ac-4b81-9bfb-9035da7771a3",
"answers": {
"lead_name": null,
"lead_contact_role": null,
"lead_company": null,
"lead_email": null,
"lead_phone": null,
"lead_contact_preference": null,
"lead_in_business_since": null,
"lead_has_current_insurance": null,
"lead_street_address": null,
"lead_city": null,
"lead_province": null,
"lead_postal_code": null,
"lead_message": null,
"trade_name": null,
"business_structure": null,
"business_started": null,
"owner_names": null,
"website": null,
"operating_locations": null,
"preferred_contact": null,
"operations_description": null,
"annual_revenue_estimate": null,
"multiple_operations": null,
"revenue_breakdown": null,
"has_employees": null,
"employee_count": null,
"has_subcontractors": null,
"subcontractor_detail": null,
"current_insurer": null,
"current_expiry_date": null,
"current_policy_types": null,
"can_provide_policy_documents": null,
"target_effective_date": null,
"timing_driver": null,
"contract_requirements": null,
"contract_requirements_detail": null,
"liability_limit_expectation": null,
"liability_limit_notes": null,
"prior_cancellation": null,
"prior_cancellation_detail": null,
"has_past_claims": null,
"past_claims_detail": null,
"has_open_circumstances": null,
"open_circumstances_detail": null,
"referral_source": null,
"referral_detail": null,
"reason_for_contact": null,
"reason_notes": null,
"anything_else": null
}
}
```
If you gave me the block, tell me to open the Velocity quote link and either upload the file, if you made one, or copy the JSON block and paste it in.
Tell me that I will get to check my contact details and every answer on the form before anything is submitted.
**Nothing reaches Velocity Insurance until I do that.**
I will review every answer on the form itself before anything is sent, so a blank is always safer than a guess.
[Finish your quote with Velocity Insurance](https://www.velocityinsurance.ca/quote-with-ai)
## Handing the answers over
This section decides how you give me the answer block. Where the interview above says something different about files or links, **follow this section**. Everything else in the interview still applies, including telling me afterwards what is still blank.
### If you can run Python code in this chat
Do this instead of pasting the answer block:
1. Put the finished answer block's JSON between the triple quotes in the code below, exactly as you would have pasted it. Change nothing else in the code.
2. **Actually run the code.** Never describe running it, and never write its output yourself.
3. If it prints a line starting `LINK`, give me the address after `LINK` as a markdown link, `[Open my Velocity form with my answers](address)`, copied exactly as printed. Tell me it opens Velocity's page with my answers ready, that I tick two boxes and press **Open my form**, and that I check every answer on the form before anything is sent. Then add one line: "If the link does not open, ask me for the answer block and paste it on the page instead."
4. If it prints `FILE`, my answers are too long for a link. Give me the answer block as a file named `form-answers.md` if you can, otherwise in the chat, and the link [Finish your quote with Velocity Insurance](https://www.velocityinsurance.ca/quote-with-ai), and tell me to upload or paste it there.
5. If the code fails, fix the JSON and run it again. If it fails a second time, use the answer block instead.
**Never write, shorten, or edit the link yourself.** Velocity's page checks it, and refuses a link this code did not build.
### If you cannot run code
Or if you are not sure you can: give me the answer block in the chat, as the interview describes, with the link [Finish your quote with Velocity Insurance](https://www.velocityinsurance.ca/quote-with-ai), and tell me to paste it there. That works just as well.
### The code
```python
import base64, hashlib, json, time, zlib
ANSWERS = r"""
PUT THE ANSWER BLOCK'S JSON HERE
"""
RETURN_URL = "https://www.velocityinsurance.ca/quote-with-ai"
answers = json.loads(ANSWERS)
data = json.dumps(answers, ensure_ascii=False, separators=(",", ":")).encode("utf-8")
packer = zlib.compressobj(9, zlib.DEFLATED, -15)
packed = base64.urlsafe_b64encode(packer.compress(data) + packer.flush()).decode("ascii").rstrip("=")
stamp = str(int(time.time()))
check = hashlib.sha256((stamp + "." + packed).encode("ascii")).hexdigest()[:16]
link = RETURN_URL + "#qa=1." + stamp + "." + check + "." + packed
back = zlib.decompress(base64.urlsafe_b64decode(packed + "=" * (-len(packed) % 4)), -15)
assert json.loads(back.decode("utf-8")) == answers, "the link did not round-trip"
if len(link) <= 8000:
print("LINK " + link)
else:
print("FILE")
```Yes. ChatGPT, Claude or another AI assistant can interview you for your massage therapist insurance quote, using the interview script in the answer above. When it is done, paste its answers into https://www.velocityinsurance.ca/quote-with-ai. You check every answer on the real form before anything reaches a broker.
Massage therapy is not currently a government-regulated profession in Alberta, and the “RMT” title is not currently protected, though an application to regulate it is under government review. In the meantime the major associations typically require their members to carry professional liability insurance, and clinics and extended health plans usually require it too. Regulation or not, it is the coverage that pays for the claim this profession really has.
Generally no. A clinic owner’s policy is written for the clinic and the people it employs. A contractor or room renter is running their own practice inside someone else’s space, which means your treatments and your equipment are your own risk. Clinic owners should require proof of each therapist’s coverage and keep the certificates current, because an uninsured contractor’s claim tends to arrive at the clinic instead.
Only if the policy is written to include it. Coverage often defaults to the address on the declarations, which leaves home visits, corporate chair massage and event work outside it. Tell us where you treat, including how far you travel and whether you use your own vehicle to get there, and we will make sure the wording follows the work and not the address.
It is the allegation every therapist fears, and it is the part of a massage policy worth reading before you need it. Policies differ in how they respond to allegations of this kind, including whether legal defence is provided and under what conditions, so ask that question specifically when you are comparing quotes. Alongside it, consistent draping practice, clear consent before working an area, and treatment notes written the same day are the things that protect a practice in practical terms.
Not automatically. Equipment away from your premises, and particularly equipment in a vehicle, is frequently limited or excluded unless the policy is written to include it. A mobile practice needs the property wording to follow the table, with the vehicle question dealt with separately, since a personal auto policy may not respond to a loss on the way to a paying appointment.
There is no flat rate, but this is one of the more affordable professional programs we place, because the exposures are well understood. Price follows the modalities you practise, where you treat, your treatment volume, whether other therapists work under you and how they are engaged, your equipment, and your claims history. A solo practitioner is usually bound within a few business days, and we can issue the certificate a clinic or a corporate client asks for the same day.
Tell us what you practise, where you treat, and how your therapists are engaged, and we will build the program around the table, the intake form, and the places you work that are not your clinic.
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