If a client trips and breaks their leg at your front door, what type of insurance protects you?

Liability insurance is designed to protect individuals or businesses from claims resulting from injuries and damage to other people or property. In the scenario where a client trips and breaks their leg at your front door, liability insurance would cover legal fees and any claims made against you for the injury that occurred on your premises. This type of insurance is particularly important for professionals in the massage industry, as it helps to safeguard against potential lawsuits that may arise from incidents involving clients.

Health insurance, while valuable for covering personal medical expenses, does not provide protection against liability claims from clients. Property insurance protects your business property and assets but does not cover bodily injuries that occur on the premises. Workers' compensation insurance is specifically for employee injuries and would not apply to a client who has sustained an injury on your property. Thus, liability insurance is the appropriate coverage in this situation, ensuring you are protected against legal consequences from accidents involving clients.