Yes. MMIP coverage follows the insured practitioner across eligible work settings in all 50 states, including qualifying massage services provided in clients’ homes, offices, events, and other locations. This can be especially useful for mobile therapists or practitioners who work in more than one state.

Coverage applies to qualifying claims related to your insured services. It does not cover damage to a client’s home or personal property.

Yes. If a landlord, spa, employer, venue, or other organization requires it, you can request to have them added as an additional insured.

An additional insured receives certain protection under your policy for qualifying claims connected to their relationship with your insured services; it is not a separate policy for that person or organization.

Yes. MMIP does not require you to wait through a separate quote process. Complete the online application, purchase your policy, and coverage can begin immediately. Your certificate of insurance is available to download right away through your member portal, so you can provide proof to an employer, landlord, spa, or other organization when needed.

The entire process takes only a few minutes to complete.

Occurrence-form coverage is based on when the covered incident happened. If a qualifying incident occurs while your MMIP policy is active, the claim may still qualify for coverage even if it is reported after that policy period has ended, subject to the policy’s terms and conditions.

Independent massage therapists may be personally responsible for claims related to the professional services they provide. Having your own liability policy can help protect you when you work independently, rent space, provide mobile services, or work within another business where the organization’s insurance may not provide the same protection as your own practitioner policy.