As a professional cupping therapist providing wellness and care, you always run the risk of facing a medical malpractice lawsuit. There is always a chance that a claim puts your practice at risk, sets you back by thousands of dollars that can bankrupt you; and worst of all, destroys your credibility as a care provider. To protect yourself from such possible situations, it is advisable that along with the necessary license and certification from the state where you’re practicing, you also get the optimum amount of professional liability insurance. This insurance can cover your attorney’s fees, legal costs and perhaps, any claims made against you. Accordingly, look for an insurance provider that offers an all-inclusive program that covers cupping therapy and the possible liability on it.
Why You Need Liability Insurance
Many states have made it mandatory for therapists to maintain liability insurance to get their license for practicing in that state. Depending on the state or regulatory agency, you may not even be allowed to provide cupping therapy. Cupping may fall under the “use of tools” that is restricted by some licensing agencies. If cupping therapy is not in your scope of practice, insurance will not help you.
If you are working in a medical institution, they might have a group liability insurance policy, but getting individual protection is always a good idea. Further, if you’re practicing individually at a rented premises, your landlord might insist that you have the necessary protection that covers him/her also.
How to Apply For Insurance
Depending on the insurance provider, you can apply over the phone or by logging on to their official website. You also have the option of faxing the completed application along with the necessary documents such as your training certification and license. Once the paperwork has been verified, your coverage should begin right away. If you choose to send the papers by mail, make sure you use the Priority Mail Service so that the papers reach the service provider within three business days. Typically, coverage lasts for a year after receipt of documentation.
How Much Insurance Should You Get?
When looking for a coverage provider, make sure they cover cupping massage therapy. Further, if you specialize in any other forms of wellness treatments, make sure they are covered too. Most coverage providers will pay a maximum of $1 million to $2 million per claim. They also have limits to the total aggregate amount they will pay in a given year. This amount could range from $3 million to $6 million, again depending on your service provider. The insurance policy will protect you irrespective of the location where you work and at every other location, should you practice at more than If the medical institution you’re working with is providing blanket insurance, the coverage applies to every member for every year.
Types of Coverage You Should Get
The insurance coverage you buy includes many liabilities in the basic membership fee. They are:
- Additional Insured Endorsement or AIE that protects your landlord or employer.
- Professional Liability or malpractice coverage.
- General Liability like for instance, your client slips and falls, or an injury occurs when the client is getting off your table.
- Product Liability like for example, your client has an allergic reaction to the oil or lotion you used during treatment.
- Claims-made policy that covers claims made within the coverage period.
- Occurrence policy that covers all incidences within the coverage period even if claims are made afterwards.
- Liability coverage in case a client is injured during treatment and suffers loss of wages, incurs medical care costs and legal fees.
Coverage in case an existing injury is aggravated because of the treatment you provided.
- Coverage for any equipment you lose or is stolen.
- Coverage for identity theft.
- Coverage for rental costs after a loss.
Remember, most insurance companies do not cover illegal activities. This is very important if cupping or the “movement of cups” is not under your state or country’s scope of practice.
There are many coverage providers out there and when choosing a company, find one that is experienced, understanding, and knows the massage field well. In case you face a claim, they should be able to help you resolve the issue as smoothly as possible. They should also offer good customer assistance. Try checking with your colleagues and other cupping therapists who have coverage and trust their judgment when choosing the provider that can not only prioritize your best interests but is also economical.
1. https://www.abmp.co m/massage-liability-insurance
2. https://www.lmtsuccessgrou p.com/blog/?p=113