Sports Massage Insurance
Instant quotes available onlineSports Massage Insurance from only £3.14 a month
Our Sports Massage Insurance offers comprehensive cover to those qualified to conduct the treatment in a professional capacity. It comes with Public Liability and Professional Indemnity as standard, as well as optional Equipment cover.
Public Liability provides protection against legal liability for accidental injury to any person or damage to their property because of the actions of your business.
Professional Indemnity will cover you against claims arising from the advice you give to your clients. This protection means legal costs are covered if someone decided to sue you due to your negligence.
Getting a quote is straightforward, simply select ‘Sports Massage’ as your primary activity, add your estimated annual turnover and when you would like the policy to start, and you’ll get an instant quote.
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Why choose Protectivity?
Fast & Straightforward Process
Our aim is to make buying sports massage insurance easy, that’s why you can get a quote for your Therapist Insurance policy and buy your cover in just a few minutes.
Competitive Prices
We provide our comprehensive insurance policies to you at highly competitive rates because it is our aim to save you money on your cover.
Leisure & Therapist Industry Specialists
We have been providing insurance to leisure and therapy industry businesses for over 10 years, during which time we have sold over 90,000 policies to UK customers.
Excellent Claims Handling
Our specialist claims handlers aim to deal with any claim you have, minor or serious, quickly, without causing disruption to your business.
What's available in your Sports Massage Insurance policy?
Our Insurance policies offer the following benefits as standard:
Public Liability
You can select a Public Liability limit between £1 million – £5 million to cover you in the case of injury or damage to a third party or their property caused by your business’s actions.
Optional Equipment Cover
Should you own and use any equipment to carry out your business activities, you can incorporate cover to protect your equipment from accidental damage and theft.
Professional Indemnity
Professional Indemnity is also included as standard, meaning you will be protected for any advice that you give in a professional capacity should a client sue.
Employers' Liability
If you employ any members of staff it is your legal responsibility to take out Employers’ Liability. This will cover you for £10 million should a staff member sustain bodily injury, illness, disease or medically recognised psychiatric injury whilst working under your employment.
Personal Accident
Accidents at work can cause financial hardship, so by taking out our additional Personal Accident cover, you’re protected if an injury meant you were unable to work for a significant period of time. This includes loss of income as well as a range of other injuries.
Legal Expenses
This optional benefit provides you access to a legal helpline and a counselling service in addition to legal defence costs. The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.
Fantastic claims handling
We are committed to making our claims process as smooth and efficient as possible.
If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.
Why do you need sports massage therapist cover?
As a sports massage therapist, you play a crucial role in athlete recovery and performance enhancement. However, your hands-on work comes with inherent risks. Here’s why insurance is essential:
Physical Nature of Work: The manual techniques you use could potentially exacerbate existing injuries or cause new ones.
Professional Advice: Your recommendations on exercise and recovery could be misconstrued or lead to unexpected outcomes.
Equipment Risks: Massage tables or other tools could malfunction, potentially injuring a client.
Reputation Protection: Insurance safeguards your professional reputation in case of claims, allowing you to continue practicing with confidence.
Here are some examples of when you might need insurance for your sports massage business:
Protection from claims should a client get injured in a session.
During a home visit, you accidentally damage a client’s property.
A client slips on oil that dripped onto the floor during a massage session and breaks their arm.
Having public liability cover can protect you against these incidents avoiding the expense of a claim yourself.
Protection from allegations of negligence.
Professional Indemnity insurance is crucial for sports massage therapists. It protects you against claims arising from the professional advice you give. This could include:
Advice on injury management or prevention
Suggestions for complementary treatments.
If a client alleges that your advice led to injury or financial loss, Professional Indemnity coverage will help cover legal costs and potential compensation.
Frequently Asked Questions
Q. What does sports massage insurance typically cover?
A. Our sports massage insurance typically covers Public Liability for Professional Treatment & Products Liability, Professional Indemnity, and Third Party Property Damage. Optional coverages may include Equipment & Stock Cover, Equipment Hire, Personal Accident, and Employers’ Liability.
Q. Do I need insurance if I’m just starting my sports massage practice?
A. Yes, it’s advisable to have insurance from the start of your practice. We can offer insurance for your sports massage business and the risks associated with your business, including potential claims arising from your professional activities.
Q. Am I covered if I provide sports massage at clients’ homes or sports events?
A. Yes, our policy covers you during the Operative Time, which includes working in connection with the business. This would include providing treatments at clients’ homes or sports events, as long as it’s within the Territorial Limits specified in your policy.
Q. Does my insurance cover me for online consultations or advice?
A. Yes, our insurance covers both in-person and online consultations.
Q. Do I need insurance if I only practice sports massage part-time?
A. Yes, our insurance covers you regardless of whether you practice full-time or part-time. The coverage applies to your business activities as declared to the insurer.
Q. Is my equipment covered under this insurance?
A. Equipment cover is available as an optional extra. If selected, it would cover accidental loss, damage, or theft of your business equipment during the Period of Insurance.
Q. How much sports massage insurance do I need?
A. The amount of coverage depends on your specific circumstances. We offer various options for liability limits. You should consider the potential risks in your practice when choosing your coverage limits.
Q. Does this insurance cover student sports massage therapists?
A. No, students are not covered as part of our sports massage insurance. We can only offer cover for disciplines that you have qualifications in.
Q. Can I add other therapies to my policy if I practice multiple disciplines?
A. Yes, we can cover multiple therapy types. When filling out a quote, please select the disciplines that you are looking for coverage in.
Q. Am I covered to provide treatment to professional sports people?
A. No, you would require a different type of insurance
Further information on our policy
If you have any other questions regarding our Sports Massage Insurance policy, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday.
More information on what we can cover on this policy can be found on our FAQs page.