Massage & Bodywork

MARCH | APRIL 2018

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A B M P m e m b e r s e a r n F R E E C E a t w w w. a b m p . c o m / c e b y r e a d i n g M a s s a g e & B o d y w o r k m a g a z i n e 111 ABMP Business Personal Property Insurance: Contents Coverage for Your Business ABMP membership includes $6 million in total liability coverage or $2 million per occurrence for losses due to general slip and fall, product reactions, and client injury. It doesn't cover loss of business property. To answer this need, the optional ABMP Business Personal Property (BPP) coverage add-on insures personal property that's necessary as part of a massage and bodywork practice, including massage tables, computers, desks, towel warmers, files, lamps, etc. BPP coverage is only available to ABMP Practitioner, Professional, and Certified members. • $95 per year includes $10,000 Business Equipment Insurance • $250 per year includes $25,000 Business Equipment Insurance Deductibles are $250 per claim and $500 for theft. For an explanation of BPP coverage, please visit www.abmp. com/bpp, or contact us at 800-458- 2267 or expectmore@abmp.com. ABMP member Areigna Preston was grateful she had Business Personal Property insurance when a drunk driver crashed into her office space in the middle of the night. years with ABMP, problem-solving is second nature to her. "I know it's upsetting when you have a claim. You want to know you have somebody to support you and help you start the claims process. And that's what we're here for." TEAMWORK Because Preston was so organized, the claims process went quickly, Higdon says. "It's so important to pay attention to the details ahead of a loss and then follow directions in filing a claim." Time was of the essence for Preston because she knew that if she wasn't working, she wasn't earning. In about six weeks, Preston was reimbursed for her losses. "I'm extremely grateful for how quick the turnaround was and how understanding and helpful everybody at ABMP was," she says. "In today's world, there are so many Set Yourself Up for Success • Purchase ABMP Business Personal Property coverage. • Maintain a comprehensive inventory of your business property. For each item, note the manufacturer, purchase date, quantity of product (if applicable), trade name, model and serial numbers, initial purchase price, and estimated year-to- date value. • Photograph all inventory items, including model and serial numbers, whenever possible, and keep those images safely stored. Quality color photographs are important because they represent the true quality, appearance, and size of your items. • Retain sales receipts and/or credit card statements for your business property. Keep those receipts/statements safely stored. • If you have expensive items that don't have model/serial numbers, consider having your phone number engraved on them in case of theft. • If you're retaining hard copies, make sure you have two sets that are stored in separate locations for safety. If a loss occurs, make sure you immediately photograph your business premises, and promptly report theft or damage to the police. Then, fill out the appropriate ABMP claim form, attach your police report (if applicable) and inventory documentation to support your claim of loss, and promptly send your claim to ABMP Risk Management, who will immediately submit the claim to the insurance carrier. insurance companies out there, and it's hard to know until you have an experience like this whether your insurance company is a good one. "When I originally signed up with ABMP, I did a lot of comparisons with A MTA and a couple of the other companies. Across the board, people steered me toward ABMP because of their customer service." That is a source of pride for Higdon. "I enjoy the satisfaction of knowing I helped somebody through a really difficult situation," she says. Even months after the crash, Preston is still making sense of her ordeal. "You never know what's going to happen. This is a very small town and this kind of stuff doesn't happen at all," she says. "I'm definitely very grateful I listened to everyone's advice and got my extra coverage. It's really important to have all your bases covered. This was a matter of whether or not I was able to stay in business. This was a make-or-break situation for me." Leslie A. Young, PhD, is ABMP's vice president of communication and professional outreach. Contact her at leslie@abmp.com.

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