The Massage Therapy Association of South Africa, in conjunction with Ms Helmien van der Merwe of HDM Makelaars in Gordons Bay has managed to expand the range of insurance products available for Therapeutic Massage Therapists. After securing the income protector plans with a number of companies (See February issue of InTouch), other insurance companies haves taken note of this emerging profession. Medisure, a short term insurance product available from Santam as well as Mutual & Federal, and which was specifically designed to insure medical practices, is now available to therapeutic massage therapists. Since it has been specially formulated for this type of small business, the premiums are less expensive than the normal business-cover products. This particular product offers cover for events such as fire, acts of nature as well as theft at the therapeutic massage therapist’s practice. It also covers loss of income from interruption to the business. This includes the loss of income that therapists may suffer should damage due to fire or a storm prevent them from continuing with their day-to-day work. The basic product offers cover among others for: loss or damage through theft or fire to the practice / office contents, glass, money, electronic equipment and motor vehicle; accidental damage to property; stated benefits (that is accidental death, bodily injury and disablement of employees based on income); employers liability (this would cover occupational death or injury of employees); goods in transit (loss or the damage of goods that gets transported e.g. massage bed and equipment and material); fidelity guarantee or a loss suffered as a result of any employee’s dishonesty; business all risk – (this covers massage bed, equipment and materials when used off the premises  e.g. travelling to hospitals, private homes of patients and sports events) and payment of outstanding accounts received during the time that the therapist is unable to earn money. Not all of the above are necessarily applicable to every therapeutic massage practice. An important aspect of this product is the public liability insurance.  Therapists should note that public liability is not the same asmalpractice insurance or professional indemnity. Professional indemnity refers to insurance that covers the therapist in the case of harm caused to the patient whether on purpose or through the therapist’s negligence. Section 46 of the National Health Act 2004, No 61 of 2003 states that every private health establishment must maintain insurance cover to indemnify users for damages they might suffer as a result of a wrongful act by any member of staff or employee. Examples of cases where professional indemnity will pay include: using a base oil for which the patient is allergic causing a rash or some form of permanent damage or selecting an incorrect technique and injuring the...