What type of insurance is recommended for massage therapists in Texas?

Professional liability insurance is specifically designed to protect massage therapists from claims related to negligence, malpractice, or errors in the delivery of their services. This type of insurance is crucial for professionals providing hands-on therapeutic services, as it covers defense costs and any settlements or judgments that may arise if a client alleges that they suffered harm due to the therapist's actions or omissions during treatment.

While general liability insurance is beneficial and can cover various claims related to bodily injury or property damage, it does not extend to claims arising from professional services. Health insurance, on the other hand, pertains to the therapist's personal medical coverage and does not protect against professional-related claims. Lastly, workers' compensation insurance is important for businesses with employees to cover job-related injuries, but it is not a primary form of protection for independent practitioners. Thus, professional liability insurance is the most essential coverage for massage therapists to safeguard their professional practice in Texas.