TABLE OF CONTENTS
- Australia
- United States
- United Kingdom
Australia
How much coverage do I need?
At a minimum, a Public Liability Insurance policy is required.
This really depends on your individual service. Please check with your industry association or body, or speak to an insurer.
Please note that some clients (especially corporate clients for bookings for offices, aged care, NDIS recipients) may require providers to have a minimum of $10m coverage before they award the job. So, having a higher amount doesn't just keep you safer, but also increases your earning potential as it opens the door to more clients and bookings.
Where can I get insurance from?
Blys has partnered with Australian insurance partner upcover.
With upcover’s insurance cover for independent massage and beauty therapists, hairdressers and wellness professionals, providers using Blys can now protect themselves and their clients by purchasing both professional indemnity and public and product liability at one affordable combined price.
Blys may earn a commission from upcover when you purchase a business insurance policy as a result of this referral.
How upcover works and what is covered?
Under upcover’s ‘allied health professionals insurance’ which covers over 20 different therapy professions including massage therapists, beauty therapists, hairdressers, physiotherapists, counsellors and more, providers on the Blys platform can get insurance cover starting from only $280 per year, with an additional exclusive Blys discount of $50 off their annual insurance policy.
You can be covered for: Public liability, Professional indemnity, Property damage, Investigation costs, and Complimentary legal advice
To know more about this, please visit this link.
Please note that, as per the Software License Agreement, you agree to be responsible for keeping your insurance policy up to date and must be able to provide a current copy if asked for by Blys or your clients.
United States
How much coverage do I need?
In the United states massage therapists typically require liability insurance that includes both professional liability (malpractice) and general liability coverage. These policies protect against claims of negligence, injuries or damage to property arising from massage therapy services.
For professional liability the minimum coverage should be $2 million per occurence and $6 million annual aggregate.
And for general liability it should be $2 million per occurence.
Where can I get insurance from?
You can obtain insurance through the American Massage Therapy Association (AMTA). An AMTA professional membership includes affordable, comprehensive liability insurance to help protect therapists in the event of a loss."
Similarly, you can also obtain insurance from Associated Bodywork & Massage Professionals (ABMP). They provide liability insurance as a part of their membership and have high coverage limits.
What is covered?
AMTA's massage insurance for professionals includes a broad set of coverage.
The professional liability policy covers up to $2 million per claim and up to $6 million annual aggregate for all claims to satisfy any judgements against you for covered claims of malpractice.
You can be covered for: Good Samaritan liability, personal injury liability, Malplacement liability, Damage to Property of others and more.
Does Blys have an insurance cover for the service providers that use the Blys platform?
Yes, we do. In addition to your own insurance and as part of your standard membership, every provider on our platform is additionally covered by Blys's insurance. See Blys Insurance for more details.
United Kingdom
How much coverage do I need?
In the UK, massage therapists are generally required to have liability insurance that includes both professional liability (also known as malpractice insurance) and public liability coverage. These policies provide protection against claims related to negligence, personal injury, or accidental property damage resulting from massage treatments.
Public liability insurance in the UK typically offers coverage from £1 million to £5 million, with costs starting at around £50 to £100 per year, depending on the level of cover and your business activities.
Where can I get insurance from?
You can obtain insurance through the following Insurance providers:
Hiscox Visit Hiscox
Protectivity Visit Protectivity
AXA UK Visit AXA
Insync Insurance Visit Insync Insurance
Towergate Insurance Visit Towergate
Park Insurance Visit Park Insurance
What is covered?
Massage and beauty therapists in the UK are typically covered for up to £5 million in public liability and £100,000 to £5 million in professional indemnity, including treatment risk. This protects against injury, property damage, or negligence claims during or after treatments.
Does Blys have an insurance cover for the service providers that use the Blys platform?
Yes, we do. In addition to your own insurance and as part of your standard membership, every provider on our platform is additionally covered by Blys's insurance. See Blys Insurance for more details.