Spa's Insurance or My Own

[anant]

I have an interview set up for a day spa. He is asking me to bring a copy of my own liability insurance. I have never worked in a spa before. Is this standard practice ? I thought they would have their own insurance?

 

[Chloeh]

You need to check your state's code for massage therapy. Many states require the MT to have thier own insurance to be certified.

 

[8***L]

This is not uncommon. Every place I have worked for has asked for my own insurance, including being a tenant wanting a rider on my policy. It is both for liability and malpractice.

If you don't have any, check out the insurance threads... if you belong to AMTA, or one of the others, then you are covered.

 

[Hazel]

If you are interviewing for a contract position, you absolutely should have your own insurance, and whomever you contract with will most likely ask/require you to list them as an "additional insured" on your policy.

If you are interviewing to be an employee, the employer's insurance should cover their business (including their employees). I have never been asked to provide insurance when I've been an employee.

Noel

 

[dbpap688]

If you are interviewing to be an employee, the employer's insurance should cover their business (including their employees). I have never been asked to provide insurance when I've been an employee.

We require our employees to carry liability insurance. The insurance that the company has covers such things as slip & fall, negligence etc...... The liability insurance that LMTs carry themselves cover malpractice. Two very different things.

Angie

 

[Shovel ready Teddy]

Yeah, what Angie said.

What about doctors and nurses? Am I wrong to assume they need to cover thier a$$es by paying for thier own insurance apart from the clinic or hospital that employs them?

 

[Brar]

Like I said before, I was not required to have insurance as an employee.

Apparently different businesses do things differently. Based on my own experience, requiring an employee to have liability insurance is not the standard. I guess it depends on how big your business is, and the area of the country, what the standard is. There are probably different laws for different states, and perhaps if your business has loans, the bank may require different types of insurance.

None of the nurses I know have- or have to have, liability insurance. But, they are all employees. Employers have a huge responsibility for the actions of their employees. Also, it is generally the employer that has money (to be sued for) rather than the employee. Someone believeing they have a case for something, is not going to (or find an attorney to) to only sue Joe Blow nurse (who administered the wrong meds) who has no assets. They are going to sue the employer, who should have the right checks and balances, systems, oversights, training, so error does not happen.

Doctors tend to have their own practices. I don't know about doctors that work 100% as an employee of a hospital. A total guess on my part would be that some portion of their malpractice insurance is covered by their employer, and factored into their wages somehow.

Interesting questions.

 

[MissMoi]

None of the nurses I know have- or have to have, liability insurance.

Most nurses have liability insurance through whichever professional association they belong to. Nurses can be and are sued for malpractice just like doctors and anyother healthcare worker.

Angie

 

[kaye r]

That is part of the reason people sue healthcare workers. They know the doctors and nurses have insurance with deep pockets. Even a nurse with a huge home loan debt, huge credit card bills, and a gambling problem has insurance. You sue the practitioner and collect from the insurance company.

 

[overthemoon]

It's a pretty sad reflection on our society, that one is more likely to be sued when one has insurance. --Not because one actually did something intentionally wrong or acting with malice.

Noel