Massage Liability Insurance Comparison Grid
| Part of being a massage therapist is maintaining the necessary insurance to protect you and your massage practice. We have compiled a list of the necessary data for you to make an informed choice as to what massage insurance program is best for you. | ||||||
MMIP |
Hands-On |
NAMT Formerly IMA |
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BENEFIT
|
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Annual Membership Fee
|
$159 Insurance Plus |
$235 + Chapter Fees
|
$199/$229
|
$99 - Professional Liability Only
$149- Including General Liability (one location)
|
$165 | $89.95 + $50 fee |
|
Student Fee
|
$77 |
$79 +
Chapter Fees
|
$65
|
NA
|
$115 |
$49.95
|
|
Hour Qualification
|
None |
500 hours
|
500 hours - Professional or Certified
100 hours - Practitioner
|
NA
|
NA | 100 hours |
|
Required CEU hours
|
None |
48/4 years
|
16/ 2 years (Required for certified level only)
|
NA
|
NA | NA |
|
Professional Liability Insurance (Malpractice)
|
$2 Million/occurence - up to $3 Million/aggregate/member/year |
$2 Million/ occurrence - up to $6 Mil/ aggregate/ member/ year*
($10 Million shared)
|
$2 Million/occurrence - $3 Million aggregate/ per coverage category/ member/ year
|
$1 Million
$3 Million individual annual aggregate
|
$2 Million/ occurrence - up to $3 Mil/ aggregate/ member/ year* *Subject to a shared member aggregate of $10 Million |
$1 Million/$3 Million aggregate |
|
General Liability Insurance (Trip & Fall)
|
$2 Million/occurence $3 Million individual annual aggregate |
$2 Million/occurence
$6Million indivual annual aggregate
($10 Million shared)
|
$2 Million/occurence
$3 Million individual annual aggregate (per coverage category)
|
Add for $50 per year (per location worked) for $1 Million/Occurrence/ $1 Million aggregate/ member/ year
|
$2 Million/Occurence $3 Million individual annual aggregate ($10 million shared) |
$1 Million/occurence $3 Million indiviual annual aggregate |
|
Product Liability
|
$2 Million/occurrence $2 Million individual aggregate coverage |
$2 Million/ occurence
$6 Million individual annual aggregate
($10 Million shared)
|
$2 Million/occurence
$3 Million individual annual aggregate (per coverage territory)
|
$1 Million
|
$2 Million/occurence $2 Million individual annual aggregate ($10 Million shared) |
$1 Million |
|
Rental Damage Coverage
|
$100,000 |
$250,000
|
$100,000 (Fire Legal Liability) General Liability limits may apply
|
NA
|
$100,000 | NA |
|
General Aggregate Limit
|
$3 Million |
$6 Million*
Subject to a shared member aggregate of $10 Million
|
$3 Million (for each of (3) coverage categories)
|
$3 Million
|
$3 Million *Subject to a shared member aggregate of $10 Million |
$3 Million |
| Sign Up for Now! Only $159/Year | ||||||
|
Coverage follows you Anywhere
|
Yes |
Yes
|
Yes
|
NA
|
Yes | Yes |
| Lost or Stolen Equipment Insurance | Yes - $1,000 | NA | Optional $10,000 coverage. Add for $95/year. | NA | NA | NA |
| Identity Protection Insurance |
Yes - $15,000 |
NA | NA | NA | NA | NA |
| Sign Up Online | Yes | Yes | Yes | NA | Yes | Yes |
| Student Program | Yes | Yes | Yes | No | Yes | Yes |
| Web development program | Yes - ABSOLUTELY FREE Web site |
Yes | Yes - Absolutely free website | NA | Yes | Yes |
| Newsletter | Monthly | Hands-On | Different Strokes | NA | Quarterly | NA |
| Free Directory Listing | Yes | Yes | Yes | NA | NA | Yes |
| Magazine | Massage Magazine plus digital edition free w/ special promotions | Massage Therapy Journal Included | Massage & Bodywork as well as Digital edition included | NA | NA | NA |
| Additional Insured Endorsement | Add $10 per AIE/per year | No charge | No charge | Add $25 per AIE/per year | Add $10 per AIE per year | Add $10 per AIE/ per year |
|
Occurrence Form Coverage |
General Liability |
General, Professional, and Product Liability |
General, Professional, Product Liability |
N/A |
General Liability
|
N/A
|
|
Claims Made Coverage |
Professional and Product Liability - Claims Made w/ 2 year extended reporting period |
N/A | N/A | General, Professional and Product Liability (additional cost for extended reporting) | Professional Product Liability | General Professional and Product Liability |
*MMIP - $5,000 Animal Massage Limit For Any One Animal
NOTE: The information in this comparison has been gathered from the web sites of each organization and other third party sources such as www.massage-exam.com. No guarantee or assurance is made by MMIP as to the accuracy or completeness of this information.