Why do I need Equipment & Products Insurance?
Any therapist who is either home based, mobile or renting a room within a building should consider adding this insurance.
If you work from a dedicated business premises or rent a room it is the owner of the premises who is responsible for the building insurance. This will not cover your equipment and products that you use in conjunction with your therapy business.
If you work from home you may find that your home insurance may not cover your equipment and products for business use.
For the mobile therapist this cover is an absolute must. Consider the cost of replacing everything that you use on a day to day basis i.e. (massage table, ultrasound or electrolysis machines, Hot Stones/Heater etc).
How much would it cost to replace all of your equipment? Would you be able to continue to trade if you lost all of your equipment and it was not insured?.
