What type of insurance do massage therapists typically purchase to protect themselves against client lawsuits?

Massage therapists typically purchase malpractice insurance to protect themselves against client lawsuits. This type of insurance specifically covers professionals, including massage therapists, against claims of negligence, malpractice, or wrongdoing in the provision of their services.

Malpractice insurance is designed to address scenarios where a client may claim harm or injury as a result of the therapist's technique or practice. For example, if a client alleges that they sustained an injury due to improper application of massage techniques, malpractice insurance would help cover legal fees, settlements, or judgments.

While liability insurance can also provide protection in various situations, including property damage or personal injury claims unrelated to direct services provided, malpractice insurance is specifically tailored to the professional risks faced by those in healthcare fields, including massage therapy. As such, it is a critical type of insurance for ensuring financial protection in a potentially litigious environment.

Other types of insurance, like workers' compensation, is focused on workplace injuries for employees and does not serve the same protective role for individual practitioners against lawsuits from clients. Health insurance is concerned with the medical expenses for the insured but does not deal with legal claims arising from the practice of therapy. Therefore, the most appropriate insurance for addressing client lawsuits in the context of massage therapy is malpractice insurance.