I have a question about liability insurance.

In Pennsylvania, it is not a requirement to have a liscense to practice massage. Most places do require that you take the NCBTMB. I have my national liscense, and am considering applying at a place in Pennsylvania. However, they require liability insurance, which is probably a good thing. Anyway, I'm wondering how necessary it really is. Especially, if you're just doing massage therapy in a salon-no deep tissue work, just your basic, light pressure swedish massage. It's expensive to get insurance when you don't have a job or are just starting out, and aren't making enough money yet.

So, is liability insurance really necessary if you're working at a salon doing light pressure swedish massage? Also, if you're not interested in doing massage for the rest of your life(not interested in opening your own practice), that is something else to consider. Would it be worth it to get liability insurance, if next year you decide to do something else with your life?

Also, what about intake forms, when you're doing massage at a salon? My thought is that,it doesn't cost anything to print out the forms, and have the client come an extra 10 minutes early to fill out the form.

Back to the liability issue-I know there are some general things to watch out for:bruises, open wounds, the flu(being sick in general), broken bones, medications,etc. For the most part, each of those things you can avoid by telling the client they need to reschedule, or you can work around it, or ask the client what kind of medication their on, and make your decision based on what they tell you.

Any feedback would be much appreciated!

Thanks in advance.