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I'm looking for an insurance to cover our massage therapists as a business.
In Hong Kong there are a wide range of insurance products available to businesses, no matter what industry you may be operating in.
Legally, under current Hong Kong labour law, all companies are required to hold an Employee’s Compensation Insurance policy which will cover all your employees for any accidents they may suffer during the normal course of their employment – it is important to note that a Hong Kong EC Insurance plan must be in place for any employee holding a work contract with the organization, no matter what their employment duties may be and no matter whether they are employed on a full time or part time basis.
For a Massage Therapist business there are a number of additional considerations which, while not required from a legal standpoint, may prove especially worthwhile with the day-to-day running of the business.
As you are in a business which involves a high level service being provided to customers you may wish to consider a ProfessionalIndemnity insurance policy which will cover you against a claim stemming from wrongful or poorly provided services – this can be especially useful in the event that a client claims that the therapists have caused them injury during the course of a massage.
A business contents insurance package is another type of coverage you may wish to cover, especially as you will likely have costly equipment on your premises – a contents insurance package will protect you against any damage or theft of your equipment (including computers, massage tables, and other therapeutic devices), and many business/office contents packages can include the mandatory Employee’s Contents insurance coverage.
Depending on your specific therapeutic activities and your client base there are a large number of tailor made insurance products available in Hong Kong to cover your business; and this is without even considering employee benefits like Health Insurance or Personal Accident coverage!
If you would like to learn more about business insurance products for massage therapists in Hong Kong, if you would like to explore further into a specific type of coverage, or if you would like to receive a free quotation, please Contact Us today to speak with a CCW Global broker.
Answered on: 7 February, 2017 14:12
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