Lymphatic Drainage & Post-Operative Massage Insurance Coverage Checklist
The coverages a lymphatic drainage & post-operative massage business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for lymphatic drainage and post-operative massage providers. Priorities reflect typical exposure for this class; confirm against your actual services and locations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability | Covers client injury claims — confirm post-operative massage is named as a covered service. | Core | |
| General Liability | Covers slips, falls, and other injuries at the studio. | Core | |
| Sexual Misconduct / Abuse Liability | Covers claims from hands-on work, often in homes and hotel rooms. | Core | |
| Workers' Compensation | Covers therapists, including exposure to bodily fluids. | Prevalent | |
| Business Property / BOP | Covers compression machines, devices, and the studio. | Prevalent | |
| Hired & Non-Owned Auto | Covers therapists driving to mobile and hotel visits. | Prevalent | |
| Products Liability | Covers compression garments and recovery products you sell or fit. | Situational | |
| License / Board Defense | Covers legal costs if a licensing board investigates a therapist. | Situational | |
| Cyber / Privacy Liability | Covers client surgical and health information. | Situational |
The coverage gap most often missed
The gap most often missed by post-operative massage providers is coverage for the post-surgical work itself. A general massage policy may not contemplate clients with fresh incisions and drains, and anything beyond massage, such as draining fluid from wounds, can fall outside both the license and the policy; Florida suspended a therapist's license for it. Confirm post-op massage is a covered service, require surgeon clearance, and keep therapists away from wounds and drains.
Send us the checklist and we'll review your lymphatic drainage & post-operative massage coverage line by line, then market it across multiple carriers that compete for your account.
Related: Lymphatic Drainage & Post-Operative Massage Insurance · Lymphatic Drainage & Post-Operative Massage Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a lymphatic drainage & post-operative massage business need?
The core coverages for a lymphatic drainage & post-operative massage business are Professional Liability, General Liability, Sexual Misconduct / Abuse Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my lymphatic drainage & post-operative massage coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.