Massage therapist insurance - Get affordable and instant liability insurance for massage therapists and other bodywork professionals. Coverage includes general, professional, and tools & supplies insurance for …

 
Colorado requires massage therapists to carry liability insurance. Let BBI help you. Beauty & Bodywork insurance (BBI) is licensed to sell massage therapist insurance in all 50 states, including Colorado with its biggest cities like Denver and Colorado Springs.We provide insurance for massage therapists that includes general …. Window washing companies

General liability insurance covers third-party property damage, bodily injury, personal injury, and advertising injury. This coverage will protect your business if clients accidentally injure themselves on your premises or if you damage someone else’s property. Since many massage therapists may work at hotels or fitness centers, visit clients ... If you are a massage therapist conducting business anywhere in the state of New York, having liability insurance is an essential element of protecting the integrity of your business. As cliché as it may sound, accidents do happen, and it is wise for massage professionals and bodyworkers to “err on the side of caution” by … 1 Additional Insured: $10 | Unlimited Additional Insureds: $30. Some massage insurance policies will offer different coverage limits based on your career status. This would mean that if you are a part-time massage therapist or in school to become one, you may have less coverage than a full-time one. Top 10 Best Massage Therapy Accepts Insurance in Jacksonville, FL - March 2024 - Yelp - The NOW Massage Jacksonville Town Center, Jacksonville Chiropractic & Acupuncture, Lymphatic Drainage Massage, Injury Care Centers - Lenox, 100% Chiropractic - Jacksonville, In Motion Physical Therapy, South Mandarin Chiropractic, Health Pointe …Current pricing among some of the most popular massage insurance plans out there include: AMTA: $235 per year for professionals, $89 for first-year graduates. ABMP: $199 per year practitioner rate and $229 per year listed for certified professionals (note they have different hour requirements for each tier) Hands-On Trade: $154 per year for ... ABMP's information, classes, and podcasts tackle relevant topics we are dealing with now.” —Eileen. ABMP is the leading massage association in the US for massage & bodywork professionals, students & educators. Members get massage liability insurance, free online CE, benefits, discounts & more! When comparing our offering versus the competition, InsureLMT massage liability insurance offers great coverage at the best rates seen in this comparison. Starting at just $94 per year for professionals and only $35 a year for students, you get a full suite of massage therapy insurance coverage, with no additional fees or hoops …Professional Liability Insurance: Consider adding this coverage to protect against potential malpractice claims. Retirement and Healthcare: Explore options like a Solo 401(k) that combines retirement savings with healthcare costs. Health Insurance for Massage Therapists. As a massage therapist, your work …Commercial general liability (GL) insurance for massage therapists covers the costs associated with third-party accidents, property damage, bodily injury, and more. General liability insurance can also protect your massage therapist equipment in case of an accident or theft while you’re working. If you don’t have GL insurance …If you’re looking to become a massage therapist but can’t find a school nearby, you may be at a loss as to how to start your career. This can be particularly true if your schedule ...Top 10 Best Massage Therapy Accepts Insurance in Phoenix, AZ - March 2024 - Yelp - Shanghai Chinese Medicine & Acupuncture, Aroma Healing Massage, Elite Pain Relief and Wellness, The Joint Chiropractic, I Knead A Massage, Elements Massage - Paradise Valley, The Wellness Center, Arcadia Health and Wellness …As an athlete, it’s important to take care of your body to maintain peak performance. One of the best ways to do this is through self-massage using a foam roll. And when it comes t...According to the National Institutes of Health’s National Center for Complementary and Alternative Medicine, massage therapy relieves pain and stress, reduces anxiety and depression and promotes relaxation and well-being. Massage therapy may relieve the following symptoms: Arthritis and joint pain. Back pain. Fibromyalgia. Headaches. Muscle ...Start your quote. 10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest.Our specialist insurance for massage therapists gives you fast and flexible protection, so you can keep business running smoothly. 10% of complementary therapists, including massage therapists, paid £5 a month or less for their Superscript business insurance between January and March 2023. Tweak your policy at any time, without fees.Irish Life Health InsuraNce. All our therapists are recognised by Irish Life Health insurance for treatment rebates. Members of the IMTA fall under "Allied Health Professionals and Alternative Practitioners" within the personal insurance plans. €30 can be claimed back per treatment, which depending on your health care …The state of Vermont highlights the importance of liability insurance for massage therapists. While it's not mandatory, obtaining Personal Liability Coverage, with a coverage limit of $2,000,000, acts as a protective measure. This insurance shields therapists from potential financial setbacks if their services result in harm or unexpected ... The absence of proper massage therapist insurance in this landscape can be a significant pitfall. Imagine facing a fall accident at your business premises or a simple oversight leading to a client's injury. Such scenarios can lead to substantial financial strain and legal complications without the right massage therapist liability insurance. Most massage liability insurance plans are less than $200 a year. Prices are low because the risk of causing major injury via massage is low. Joining a massage therapy organization is the most common way massage therapists obtain liability insurance. The cost can be between $80-$235 a year.Reviews on Massage Therapy Accepts Insurance in Los Angeles, CA - GenerateShen Wellness, Westwood Clinic, The Total Health Center, Nora Bauman, DC, Stretch Pro, High Five Hand Therapy and Rehabilitation LA, The Massage Place, Vivie Therapy, Chiropractic Remedy, The Lab Doctors of Physical TherapyThe prospective massage therapist will need to take out a liability insurance policy with coverage of at least $1,000,000; this figure is both the aggregate and “per occurrence” minimum. State statute lists among the requirements not having been convicted, during the prior ten years, of a crime that is sexually-related or involves “moral ... Get professional massage liability insurance for $169 per year with no membership fees and over 450+ modalities covered. Compare coverage limits, benefits, and prices with other insurance providers and save with MMIP. Massage liability insurance is a must-have for all practicing therapists well as massage students in 2024. Compare insurance policies, costs, and coverage for professional massage therapists and bodyworkers, as we review some of the best massage insurance companies in the industry. Personal Injury & Advertising Coverage. Covers up to $2 million and can help protect you if you’re accused of libel, slander, or false advertising. $ 94/ year. $ 94/ year. Are you looking for massage therapist insurance? Look no further, InsureLMT now offers the lowest rate in the market at only $94 per year. Payment is expected at the time of service, even if your insurance covers massage therapy. Only those qualified by the Veterans Administration with a ...To find out if you have massage therapy insurance coverage, call your carrier and ask if you have 'manual therapy provided by a massage therapist' in your ...AMTA offers 'A' rated liability insurance for massage therapists. Quick Links. Find a Massage Therapist. Find a Massage School. Job Bank. Schools Resource Center. State Regulations. Advocacy. Contact Us. 500 Davis Street. Suite 900. Evanston, IL 60201 . Email . 1-877-905-2700. 8am-5:30pm CT M-F. Stay Connected. Facebook; Twitter; Instagram ...Two examples of long term goals for a therapist are becoming a psychologist or continuing in a program to work as an art therapist. At a minimum, becoming accredited as a psycholog...Top 10 Best Massage Therapists That Accept Insurance in Las Vegas, NV 89131 - March 2024 - Yelp - ATI Physical Therapy, Tim Soder Physical Therapy, Wellness & Sports Performance, Suarez Physical Therapy, Vegas Family Chiropractic, Speakeasy Therapy Services, Align Med Centennial, Massage Envy - Centennial Hills, Grimes Family …Aug 24, 2022 ... As a professional chiropractor, you likely invest in liability insurance for yourself, your practice, and those that work hands-on with your ...May 19, 2021 ... Samer Hamadeh is the Founder & CEO of Zeel, a massage therapy platform that has recently expanded into the in-home medicine space.Mar 4, 2022 · Massage therapy may be covered: When the massage is considered medically necessary and/or fits the definition and criteria of coverage given by the insurer. If the massage fits into the criteria of a “habilitative or habilitation” treatment, it may be covered by health insurance as an essential health benefit. Get A+ rated massage therapy insurance starting at $159 per year. Experience comprehensive coverage that backs over 350 modalities.On average, patients who use Zocdoc can search for a doctor for Massage Therapy, book an appointment, and see the doctor within 24 hours. Same-day appointments are often available, you can search for real-time availability of doctors for Massage Therapy in your area who accept your insurance and make … Types of Liability Coverage. Professional liability insurance policies for massage therapists provide either claims-made or occurrence coverage. Claims-made policies provide coverage for incidents that: Occur on or after the effective date of the policy through the date the policy is terminated. Are reported to the insurance company while the ... Aug 23, 2023 ... Here at Salon Gold, our dedicated massage insurance package ensures you have all of the protection you need. Whether you are a mobile or ...A commonly-asked question at this time of the year is, “Can I give my therapist a Christmas or holiday gift? A commonly-asked question at this time of the year is, “Can I give my t...Public liability and professional indemnity (professional malpractice) insurance for masseuses and masseurs ... In addition, it covers the cost of defending your ...Please follow these steps to schedule Medical Massage and/or Acupuncture at Dreamclinic using health insurance: 1. Before Making an Appointment – Get your specific massage and acupuncture benefits confirmed by Dreamclinic. When you decide to come in for medical massage or acupuncture, you must submit your insurance information here or PIP ...Massage therapist business insurance can safeguard your professional reputation if a client files a complaint due to a physical injury sustained at your clinic or premises. You won’t have to spend money from your pocket to cover the expenses associated with the complaint; your insurance will handle the …Manual therapy (sometimes called bodywork) is a general term for treatment performed mostly with the hands. The goals of manual therapy include relaxation, decreased pain, and increased flexibility. Manual therapy can include: Massage. Pressure is applied to the soft tissues of the body, such as the muscles.24 hour legal advice helpline for holistic therapists, plus online legal and business resource hub. Standard cover available up to £5 million, or contact us to increase to £10 million. UK-based support. Call us on 0330 123 5810 or get a quote online. Get a … BBI offers liability insurance for massage therapists starting at $96/year, covering claims like bodily injury, property damage, and more. Learn about the benefits, coverages, and endorsements of BBI's massage therapy insurance policy. Mar 4, 2022 ... If the massage fits into the criteria of a “habilitative or habilitation” treatment, it may be covered by health insurance as an essential ...Jan 9, 2023 · American Massage Therapy Association: Affordable Coverage and Professional Member Benefits . Another way to source plans is to find them through professional organizations, such as the American Massage Therapy Association. This organization offers liability insurance to massage therapists for only $20 per month when they become members. Dec 20, 2023 ... Massage therapist insurance is a specialized form of commercial insurance designed for massage therapists and their businesses. Policies ...AMTA offers quality optional insurance programs at competitive premiums. As an AMTA member, you can access our optional insurance plans* at reasonable rates by clicking the links below. Once there, you will connect to AMTA's online quote system. Complete the required fields and submit.AMTA offers quality optional insurance programs at competitive premiums. As an AMTA member, you can access our optional insurance plans* at reasonable rates by clicking the links below. Once there, you will connect to AMTA's online quote system. Complete the required fields and submit.Professional Beauty Direct is an industry leader in massage therapist insurance in the UK, covering all elements necessary to ensure you operate safely whether it be independently, within a salon. Our insurance for massage therapists covers: Accidents and reactions to treatments. £6,000,000 Liability cover. £10,000,000 …Get affordable and instant liability insurance for massage therapists and other bodywork professionals. Coverage includes general, professional, and tools & supplies insurance for … Types of Liability Insurance Coverage for Massage Therapists. AMTA members practice confidently knowing they're protected by one of the broadest professional liability insurance programs available. This program is underwritten by Columbia Casualty Company, a CNA company and is offered through the Healthcare Providers Service Organization Risk ... When comparing our offering versus the competition, InsureLMT massage liability insurance offers great coverage at the best rates seen in this comparison. Starting at just $94 per year for professionals and only $35 a year for students, you get a full suite of massage therapy insurance coverage, with no additional fees or hoops …In an Asian massage parlor, it is perfectly acceptable to speak as you would in any other massage parlor. Always use respectful language and do not be overly friendly in speech or ...Are you in need of therapy and have Kaiser insurance? Finding a therapist that accepts your insurance can be a daunting task. However, with the right approach and resources, you ca...Massage Magazine Insurance Plus dedicates every day to supporting the massage therapist community, but on January 22 - 26, 2024, we're celebrating massage therapists in a special way. Every day of Massage Therapist Appreciation Week unlocks a free downloadable bundle of carefully curated items designed with you in mind—from …Beauty and Bodywork Insurance (BBI) is licensed to sell massage therapy insurance in all 50 states, including Florida and its biggest cities like Miami, Tampa, Orlando, and Jacksonville.We provide insurance for massage therapists that includes general and professional liability, products-completed operations …Workers' compensation insurance helps protect your massage therapy practice from devastating financial loss by covering medical expenses that result from a ...Insurance for massage therapy sounds good for you and your clients. But there are always two sides to a coin. The good side — insurance companies do cover massage therapy; the bad side — health plan organizations don’t cover massage services that clients receive on their own accord. That’s why you need to be careful while filing … Massage liability insurance is a must-have for all practicing therapists well as massage students in 2024. Compare insurance policies, costs, and coverage for professional massage therapists and bodyworkers, as we review some of the best massage insurance companies in the industry. Top 10 Best Massage Therapy Accepts Insurance in Las Vegas, NV - March 2024 - Yelp - HALO Wellness Clinic, The Pain Clinic, Anthem Chiropractic, Massage Envy - South Rainbow, MaxHealth Center, Yen Chiropractic, Hogan Chiropractic Wellness Center, Sincity Massage Therapist, Wellness Institute of Nevada, Injury Rehab and Wellness CenterMay 19, 2021 ... Samer Hamadeh is the Founder & CEO of Zeel, a massage therapy platform that has recently expanded into the in-home medicine space.Massage therapist liability insurance cost. The average cost of a message therapist liability insurance policy is $45 per month, or $540 a year. This includes both general liability insurance and professional liability insurance coverage. Final Thoughts.Reviews on Massage Therapy Accepts Insurance in Los Angeles, CA - GenerateShen Wellness, Westwood Clinic, The Total Health Center, Nora Bauman, DC, Stretch Pro, High Five Hand Therapy and Rehabilitation LA, The Massage Place, Vivie Therapy, Chiropractic Remedy, The Lab Doctors of Physical TherapySome states require massage therapists to carry liability insurance as part of the licensing requirements to practice as a massage therapist.Top 10 Best Massage Therapy Accepts Insurance in Las Vegas, NV - March 2024 - Yelp - HALO Wellness Clinic, The Pain Clinic, Anthem Chiropractic, Massage Envy - South Rainbow, MaxHealth Center, Yen Chiropractic, Hogan Chiropractic Wellness Center, Sincity Massage Therapist, Wellness Institute of Nevada, Injury Rehab and Wellness CenterAs a Supporting Member, you can take advantage of the AMTA benefits and resources needed to grow your business and provide your massage staff AMTA Professional membership benefits at the best price. Call AMTA toll-free at 1-877-905-2700 to join today. Supporting Membership Benefits.As a Supporting Member, you can take advantage of the AMTA benefits and resources needed to grow your business and provide your massage staff AMTA Professional membership benefits at the best price. Call AMTA toll-free at 1-877-905-2700 to join today. Supporting Membership Benefits.Business insurance for therapists. Administering physical or psychological therapy is delicate practice, so insurance can help protect your business. A dietitian’s client may say they fell ill because of nutritional advice, or an acupuncturist might face equipment damage. With Hiscox, you can tailor your therapy insurance policy focused on ...Top 10 Best Massage Therapy Accepts Insurance in Kirkland, WA - March 2024 - Yelp - Kirkland Therapeutic Massage, Avicenna Massage, PrimeSpine Kirkland Chiropractic & Therapeutic Massage Center, Kirkland Massage Center, Mountain Sun Massage & Skin Care, ACE Wellness, Eastside Ideal Health, Dreamclinic Massage Redmond, Kirkland …Massage therapy may be covered: When the massage is considered medically necessary and/or fits the definition and criteria of coverage given by the insurer. If the massage fits into the criteria of a “habilitative or habilitation” treatment, it may be covered by health insurance as an essential health benefit. Top 10 Best Massage Therapy That Accepts Insurance in Seattle, WA - March 2024 - Yelp - Shiatsu Yasuo Mori, Flourish Chiropractic Spa, Sacred Rain Healing Center, Pro Sports Massage Clinic, Herban Qi Eastern Medicine & Herbs, City Center Massage - Downtown Seattle, Elevate Chiropractic and Rehab, Tummy Temple, Dreamscape Massage, Seattle Maternity Massage Jan 9, 2023 · American Massage Therapy Association: Affordable Coverage and Professional Member Benefits . Another way to source plans is to find them through professional organizations, such as the American Massage Therapy Association. This organization offers liability insurance to massage therapists for only $20 per month when they become members. Professional Beauty Direct is an industry leader in massage therapist insurance in the UK, covering all elements necessary to ensure you operate safely whether it be independently, within a salon. Our insurance for massage therapists covers: Accidents and reactions to treatments. £6,000,000 Liability cover. £10,000,000 Employers liability ... Feb 21, 2014 · When purchasing massage therapy insurance, premiums are calculated based on several variables. Some examples include: the state you’re in, total gross annual revenue, the types of modalities you provide, how many additional insureds you need to add, the coverage limits you select, and more. General Liability Insurance. This is necessary for massage therapists with their own facilities. It covers medical expenses and attorney fees resulting from ... Massage liability insurance is a must-have for all practicing therapists well as massage students in 2024. Compare insurance policies, costs, and coverage for professional massage therapists and bodyworkers, as we review some of the best massage insurance companies in the industry. American Massage Council Head Office. 1100 W. Town & Country Road, Suite 1400, Orange, CA 92868, United States. Phone: (800) 500-3930. Fax: (714) 571-1863. In addition to our regular blogging about our massage therapist liability insurance programs, we like to share various informative, useful or … Massage Therapist Insurance In a world where a single mishap can lead to costly legal battles, massage therapists face the risk of liability claims that can threaten their practice and livelihood. Imagine a scenario where a simple slip, an allergic reaction, or a dissatisfied client could result in a financial nightmare. See more reviews for this business. Top 10 Best Massage Therapy in Cheyenne, WY - March 2024 - Yelp - Feel Better Massage Therapy, Jessica Metzger, LCMT - Melt Massage, China Spa, China Herbal Massage, Creative Healing, Candace Tanner, ABC Relaxing Station, Health Aroma Spa, Me Myself and I Day Spa, Healing Touch Massage.Business insurance for therapists. Administering physical or psychological therapy is delicate practice, so insurance can help protect your business. A dietitian’s client may say they fell ill because of nutritional advice, or an acupuncturist might face equipment damage. With Hiscox, you can tailor your therapy insurance policy focused on ... The absence of proper massage therapist insurance in this landscape can be a significant pitfall. Imagine facing a fall accident at your business premises or a simple oversight leading to a client's injury. Such scenarios can lead to substantial financial strain and legal complications without the right massage therapist liability insurance. Massage Liability Insurance. Beauty & Bodywork insurance (BBI) is licensed to sell massage therapy insurance in all 50 states, including Wyoming with Cheyenne being the city where BBI is the most popular. We provide insurance for massage therapists that includes general and professional liability, products-completed …Massage therapist insurance provides this protection in the form of a financial assurance that the carrier will cover the costs associated with a claim event, per the appropriate provisions of the policy you hold with them. An insurance policy is in effect a contract between therapist and carrier. The former agrees to pay an …The following are state resources, including some Washington employment statistics, to help you determine if being a massage therapist is right for you: Washington massage employment statistics as of August 15, 2023: $39.78/hour Source: Indeed.com Education Requirements: Required Education Hours: 500 hours from an accredited massage …Massage therapy may be covered: When the massage is considered medically necessary and/or fits the definition and criteria of coverage given by the insurer. If the massage fits into the criteria of a “habilitative or habilitation” treatment, it may be covered by health insurance as an essential health benefit.Our Massage Therapist Insurance Cost. 1 Year. Professional Rate. Our most popular policy option, built for the full-time professional. $ 169. /1yr. BUY POLICY. …

Like all insurance, you hope you never need to use it, but it’s nice to know it’s there. At some point, an employer, venue, or landlord might ask you for proof that you have insurance for your work as a massage therapist. You will want to provide them a certificate of insurance. Q: What Is a Certificate of Insurance?. Becoming an esthetician

massage therapist insurance

Here are some useful resources for massage therapists in Ohio: Employment statistics. According to the U.S. Bureau of Labor Statistics (BLS), employment for massage therapists is projected to grow 21 percent from 2019 to 2029, much faster than the average for all occupations.. In Ohio specifically, there were approximately 3,080 massage …Liability insurance for massage therapists; These ongoing expenses impact your financial plan and budget, so it’s important to account for them when projecting your income and expenses. One significant recurring cost is liability insurance for massage therapists, ranging from $96 to $235 annually, depending on the provider and coverage ...With Vince Gilligan and Peter Gould’s AMC American Drama series Better Call Saul coming to an end later this summer, it’s truly disheartening to see the show go. For those not in t...BAs a medical massage therapist, you have deep knowledge, intuitive hands and a wide set of skills that no ordinary insurance coverage will suffice. In one policy, get coverage in over 300 modalities that includes medical massage, cupping, hot stone and also be covered as a practitioner in yoga and/or esthetics and more. Top 10 Best Massage Therapy Accepts Insurance in Spokane, WA - March 2024 - Yelp - Massage Spokane Body & Mind - Rebecca Moffitt, LMP, Blake Greensword Massage Therapy, Valente Chiropractic, Lockhart Chiropractic & Massage, Healing Art Clinic, Susan's Holistic Massage, Celestial Massage Therapy, Deborah Harney - McCrink, LMT, Spokane Massage, Applied Health Associates Massage Therapy Liability Insurance is an insurance policy package that is tailored specifically to massage therapists to cover them from potential risks ...Some states require massage therapists to carry liability insurance as part of the licensing requirements to practice as a massage therapist.Top 10 Best Massage Therapy That Accepts Insurance in Seattle, WA - March 2024 - Yelp - Shiatsu Yasuo Mori, Flourish Chiropractic Spa, Sacred Rain Healing Center, Pro Sports Massage Clinic, Herban Qi Eastern Medicine & Herbs, City Center Massage - Downtown Seattle, Elevate Chiropractic and Rehab, Tummy … Health insurance claims are legal documents, so massage therapists must collect and retain information supporting their requests for payments. Typically, a claim file must have documentation to confirm that the service was provided—at a minimum. Insurance companies also usually require a doctor’s order for a service before they will pay a ... This optional benefit will protect equipment valued between £500 to £3,000 depending on the selected level of cover. Get an instant therapist insurance quote and buy online in minutes. Should you have any questions, our Sales team are available Mon-Fri, 9am-5:30pm, on 01494 887909.Wave Hand Therapy. 5.0 (21 reviews) Occupational Therapy. Physical Therapy. Mission Valley. Accepts Insurance. “if looking for fantastic personal care from the reception desk to the massage table.” more. 5. … Irish Life Health InsuraNce. All our therapists are recognised by Irish Life Health insurance for treatment rebates. Members of the IMTA fall under "Allied Health Professionals and Alternative Practitioners" within the personal insurance plans. €30 can be claimed back per treatment, which depending on your health care package can be capped at ... When your stress level is through the roof and your aching muscles just won’t stop demanding relief, a great massage can be a blissfully euphoric experience. In most areas, special...Here, you will find an NHI Graduate specific breakdown of massage therapy licensing / certification requirements listed by state. This resource was compiled by NHI staff to assist you if you chose to practice Massage Therapy outside of California. Many states require you to take the MBLEx (Massage and Bodywork Licensing Exam), which costs $195 ...Massage therapist insurance typically isn’t one insurance product. Massage therapists often need more than one cover to meet the needs of their massage work. Because massage therapists work with people, public liability is often the first insurance most massage therapists buy. However, massage therapists also … Learn how to get customized massage therapist insurance coverage for your business needs. Find out the cost, benefits, and types of massage therapist insurance, such as general liability, professional liability, and BOP. Personal Injury & Advertising Coverage. Covers up to $2 million and can help protect you if you’re accused of libel, slander, or false advertising. $ 94/ year. $ 94/ year. Are you looking for massage therapist insurance? Look no further, InsureLMT now offers the lowest rate in the market at only $94 per year. Massage Therapy Liability Insurance is an insurance policy package that is tailored specifically to massage therapists to cover them from potential risks ...In an Asian massage parlor, it is perfectly acceptable to speak as you would in any other massage parlor. Always use respectful language and do not be overly friendly in speech or ...Hands On Trade Association provides professional and general liability insurance coverage, along with business benefits, for independent contractors in a wide array of businesses in beauty, bodywork, massage, esthetics and more. Sign up and protect both your livelihood and yourself from a range of incidents that could otherwise cost you your ....

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