Professional Liability Insurance Program

Per occurrence means the maximum amount of coverage available to you for each individual incident resulting in a claim. We offer $2 million of liability coverage per occurrence, or per single claim. Individual annual aggregate is the maximum amount of coverage available to you for all incidents that occur during the course of a policy year. We offer individual annual aggregate of $3 million. In other words, you have $3 million of liability coverage available to you per year.

Many massage products contact the client's skin directly. This direct contact may sometimes cause issues for some client's, such as rashes or other adverse reactions. From the overall effectiveness of any company's quality control department to the unpredictable allergies some people have or end up developing, the potential for a lawsuit exists.

A client may not know of any existing skin sensitivity, in which case both the client and the therapist may be unpleasantly surprised by a bad reaction. In this example, through no fault of the massage therapist or the client, a product issue can provide fertile ground for a legal claim.