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Home Office Insurance for LMT's

30 Nov 2020 12:59 PM | Carl Wilson (Administrator)

Home Office Insurance

by Dagmar Growe, LMT

LMTs working out of their homes will generally require 3 types of insurance for complete coverage. Malpractice/Professional Liability insurance, which most commonly for LMTs is obtained through an AMTA  or  ABMP membership. Malpractice/Professional Liability insurance  does not cover accidental injury (such as slip and fall) that patients/clients might sustain while on your premises. This type of insurance is called General Liability If you have your insurance through AMTA or ABMP your policy does cover General liability.You also will want insurance to cover your physical space and contents - these would be covered through premises insurance.  And of course they would need homeowners insurance, covering the private use of their home. This is especially important, as home loans generally require homeowners insurance, and losing homeowners insurance can lead to problems with mortgages.

Unfortunately many homeowner insurance carriers will cancel a policy when they find out that a business is operated out of a home that includes patient/client visits, or refuse to issue a policy in the first place. WSMTA is working on supporting our members by developing a list of resources and options. We need your help. Have you successfully obtained insurance coverage that covers your home business? We want to know how and through which company or agent. Please contact Dagmar Growe at dgrowe@mywsmta.org with any information.




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