Get Coverage. Find Peace of Mind.
Massage Magazine Insurance Plus brings 35 years of experience helping massage therapists directly to you through our comprehensive professional liability insurance & benefits.
Massage Insurance For Every Phase Of Your Career
Save $10 with this first year introductory rate and take advantage of everything we have to offer.
Save 17% when you get a 2 year policy and worry about renewals half as much.
Protect yourself in school & after. Get covered just before graduation for a full year of insurance at a reduced rate.
Every Policy Includes
Additional Member Benefits Included
Free Online NCBTMB CEs
A FREE Custom Website
Identity Protection Plan
Discounted Subscriptions to MASSAGE Magazine
Just a Few of the Reasons Over 100,000 Massage Therapists Have Chosen Us
Save 30% Over the Competition
We know having the right coverage is important to you but so is having the right price. That's why we work very hard to keep our policy affordable and comprehensive.
We don't ever want price to get in the way of you having the protection you need. Our prices are more than 30% less than the competition, for more information call us at 1(800)222-1110.
Occurrence Form Coverage
All policies are occurrence form coverage, which is the highest standard of coverage for the industry.
If someone hurts themself getting off your table while your policy is in effect and doesn't let you know they had a medical bill until after your policy has expired, you can still file a claim with us and you'll be covered as the event occurred while you had coverage.
350+ Modalities Included
This includes coverage for multi-discipline practitioners at no additional cost.
So if you are a massage therapist who also offers Yoga, Dance, Pilates, Esthetics, Cosmetology, or Nail Technician Services, you're still covered.
Instant Coverage. Instant Certificate
Don't wait around for approvals or worry about providing education hours.
Our policies are bound in minutes and you can immediately pull down a digital proof of coverage certificate from your member portal.
Ready to Renew? We Make it Easy.
Renewing your policy only takes a few minutes and ensures you're covered for another term with all the benefits you've come to love. You can renew online with our instant coverage application or call 1(800)222-1110 and speak with one of our licensed agents today to renew over the phone.
See What People Say About MMIP
I love how easy it is...
I love how easy it is to purchase and to renew my insurance through Massage Magazine Insurance Plus! Thank you for making it safe, easy and fast!
As a busy therapist I need their expertise...
As a busy therapist I need their expertise to make my practice operate smoothly. They do just that. Quick response and fast action with the right answers.
Been with this company since 2013
I’ve had this Insurance since I graduated 2013 I’ve used nothing else but this company
Rated EXCELLENT on
Invest In Your Future
MASSAGE Magazine, a publication with over 35 years of trust in the industry, developed Massage Magazine Insurance Plus (MMIP) to provide a single, national massage liability insurance policy for health, wellness, and beauty professionals.Whether you practice massage therapy, cosmetology, or one of our other covered disciplines, you are dealing with clients in different states of health; and like all healthcare professionals, you need professional liability insurance that will protect you in the event of a lawsuit.
Even the most skilled professionals can encounter an unexpected legal claim from events outside of their direct control. Individual liability coverage is a growing necessity in the integrative medicine industry, and we can help. Get insured for one low annual rate — whether you are full-time or part-time, independent or an employee, using hot stone or cupping treatments, practicing more than one discipline, working at home, in a spa or on the go. Our massage insurance is priced around 30% lower than most other policies, and we offer the most comprehensive coverage and benefits around—all at no extra cost.
Free Online Continuing Education Credits
Included with your Massage Magazine Insurance Plus Professional Policy is unlimited access to our NCBTMB Approved courses for your continuing education.
Premier Partner for BOP Policies
Are you a business owner or independent contractor in business for yourself? As of 2018, Massage Magazine Insurance Plus has partnered with insurance industry leader, Allstate® Business Insurance to provide our members with best-in-class options for a Business Owner Policy. This policy combines business liability insurance and business property into one single policy covering multiple professionals. BOP insurance helps cover your business from claims resulting from theft, fire, or other covered disasters. In addition, you are covered for employment practices liability, and data compromise.
Massage Insurance Plus FAQs
What is massage insurance?
Massage insurance protects you from a liability claim. Like all types of professionals, massage therapists have a certain amount of accountability with the services they offer and a responsibility to maintain a safe environment. Regardless of how skilled or experienced you are, accidents can happen as you provide your services, whether it’s a client sustaining injuries after falling from the massage table or experiencing excessive bruising after a massage. A professional and general liability insurance policy will protect you in cases such as these. If you also own your own business, you can add an extra layer of protection by listing your employer as an additional insured on your massage therapy insurance policy.
Do I need massage liability insurance?
All massage therapists should consider how important it is to have the proper amount of insurance coverage. A massage therapy insurance policy can help you mitigate risks if anything goes wrong with a client. Instead of taking a chance that you will not be named in a lawsuit that can put your career and reputation at risk, it’s better to have a massage therapy insurance policy in case of an accidental injury or other incident that can result in a legal claim.
What is Massage Magazine Insurance Plus?
Massage Magazine Insurance Plus is one of the largest service providers offering insurance policy coverage for massage therapists. We offer more comprehensive insurance coverage and benefits than the average liability policy. Our policies are offered at competitive rates, sometimes over 30% less than other providers and the quality of service we provide makes Massage Magazine Insurance Plus stand out from the crowd. Massage insurance policy coverage, practice support including free CEU classes, rental damage coverage, identity protection and more are provided with each policy.
What kind of liability insurance does Massage Magazine Insurance Plus provide?
Massage Magazine Insurance Plus offers general liability insurance, professional liability insurance, product liability insurance, and rental premises liability insurance.
How much does Massage Magazine Insurance Plus liability insurance cost for massage therapists?
Massage Magazine Insurance Plus offers some of the most competitive rates for massage therapy liability insurance. When signing up for liability insurance, you can receive a one-year introductory rate of $159. Or, to save even more money, you can choose the two-year policy, which costs only $279.95 to cover both years (and is less than $140 annually!). Included in that policy are free CEU classes that are NCBTMB approved, industry discounts, an identity protection plan, and a free professional website.
What does Massage Magazine Insurance Plus' massage liability insurance cover?
With Massage Magazine Insurance Plus’ massage insurance policy, you will receive $3 million of liability coverage annually, up to $2 million in coverage for each claim or per occurrence. Overall, you will be given an individual $3 million annual aggregate, which is the liability coverage for all of the incidents that happen during a single policy year. This policy also provides $100,000 in rental damage coverage, $1,000 in damaged or stolen equipment coverage, an identity protection plan, free professional website and exclusive member discounts. Massage Magazine Insurance Plus also offers $2 million in product coverage that covers a client’s medical costs if he or she has an adverse reaction to a product such as an oil.
What does “per occurrence” mean in reference to my liability coverage?
An “occurrence” refers to a single claim. Our professional and general massage therapy liability insurance policy provides $3 million in total claims for one policy year, including a $2 million limit per any single claim. Our product coverage provides for $2 million per any single claim up to $2 million in total product claims for one year.
What is Massage Magazine’s Insurance Plus policy used for?
Think of massage insurance massage as a guarantee. If something goes wrong in your practice, and let’s face it, we live in a society where liability is everywhere, you have insurance to help you cover the costs. By definition, insurance is a guarantee of financial assistance for events covered under the policy.
With MMIP, you get coverage for areas of increased liability for massage therapists like general and professional liability. Both of these crucial coverages come with high limits of $2 million for each occurrence and a $3 million individual annual aggregate. An all too familiar example of a general liability event could be your client tripping over your welcome mat and injuring themselves right there on your doorstep. You didn’t do anything, but you may be held liable for their hospital bills, rehab sessions, missed work, etc. Professional liability is related to the actual massage services you provide. When a client says that your services left them with an injury, they may hold you liable and demand repayment of some kind.
Our massage insurance program also provides product liability coverage which is crucial when a client has a bad reaction to a product you used on/around them during the session. A bad allergic reaction to the cleaner you used on the massage table could mean a load of costly medical treatment bills. Without massage therapy insurance, you’re stuck paying for these costs yourself. MMIP’s comprehensive massage insurance program goes further with other vital protections like rental property damage coverage, an identity protection plan, and stolen/damaged equipment coverage.
How soon will my coverage take effect?
Massage Magazine Insurance Plus massage therapy liability coverage takes effect immediately after you complete your application to begin protecting you and your practice right away. Applying for the coverage can be done by phone at (800) 222-1110 or online, after which you will receive a confirmation email with access to our member portal where you can securely download your certificate. All of this takes place in just minutes. Which means that when you get up and running, you can rest easy knowing you will already be protected.
What type of insurance does a massage therapist need?
There are several types of insurance policy coverage that massage therapists need, particularly general liability, professional liability and product liability insurance.
General liability insurance will help to protect you if a third party claims injuries. For example, if a client gets hurt after tripping on a loose step in your place of work, this person could sue you for negligence, with general liability insurance providing coverage in this circumstance.
Professional liability insurance provides coverage in situations where there are potential injuries that are as a result of your services. A client may, for example, come to you seeking relief for a painful shoulder. Instead of getting better, your services may make the injury worse, prompting the client to file a lawsuit.
Product liability insurance provides coverage in the event that a client suffers some type of injury related to the use of a product, such as an allergic reaction to a massage oil or cream. This coverage offers an extra measure of coverage at no extra charge.
What does “additional insured” mean?
In some situations, such as when you provide your massage therapy services in a franchise, you may be required to add a third party to your liability insurance policy as an “insured.” By adding an additional insured to a policy, that third-party landlord, employer or other person or entity will have a legal claim to the benefits paid under general liability situations to cover the extent of potential losses.
What does adding an additional insured do?
By adding an additional insured to a policy, that entity is released of liability stemming from malpractice or negligence (professional liability) and provides excess coverage for slip-and-fall scenarios (general liability). Excess coverage becomes available when the limits of any other existing policies have been exhausted.
Does Massage Magazine Insurance Plus offer continuing education for massage therapists?
Yes, we do! In partnership with Panda Massage CEU, we are able to provide our members with unlimited access to NCBTMB-approved online continuing education for massage therapists. You can find everything you need for your annual continuing education in the Massage Magazine CE library. Our continuing education resources help you keep up with the latest techniques that make you stand out in your profession. Your massage CE hours are free when you enroll or renew with Massage Magazine Insurance Plus.
When should I buy insurance?
While we know massage liability insurance matters, it is advisable to get your liability insurance as soon as you start out in massage therapy school and begin to practice on clients. To avoid adding onto education costs, Massage Magazine Insurance Plus offers massage student liability coverage available under the main massage programs at a reduce rate. It is also important to review your liability coverage when you begin your career as a massage therapist and start practicing professionally to ensure you are still well protected.
How should I compare massage liability insurance?
When doing a massage insurance comparison, you should be looking out for a number of key things. Including professional and general liability coverage limits, both annual and per-incident limits. Also, think about your need for rental damage coverage, damaged or stolen equipment coverage, and more. Also, compare prices and determine whether or not there are any hidden fees. Continuing education costs, or lack thereof, are also important to consider. Some companies, like Massage Magazine Insurance Plus, include free CEU classes in your policy.
To find information about these important factors, you can look at an insurance provider’s website. This will give you a chance to compare the benefits and costs of each of their programs. If you need more information, how easy does the provider make that? If you speak to a licensed representative of the insurance provider, how clear was the information provided? Although it is not required, Massage Magazine Insurance Plus makes licensed agents available via phone to help you compare your options and is one of the only companies to do so.
How long does it take to join Massage Magazine Insurance Plus and get proof of insurance?
A really cool aspect of the massage therapy insurance is just how quickly you can get proof of insurance. Say you’re all set to move into a new rental space but the landlord is requiring you to show them a certificate of massage liability insurance before you move in and start providing services. With MMIP, all you have to do is fill out a quick application, select the best pricing plan for your situation, check out, and as fast as your internet can process the order, you will have immediate insurance coverage with access to all the certificates you need through the membership portal.
Do you have massage insurance that covers massage therapy students?
Yes, we do. For students who are already enrolled in massage therapy school or any of the other more than 350 health, wellness and beauty modalities covered, Massage Magazine Insurance Plus offers student liability coverage at reduced rates. This student coverage offers liability coverage for the work you do as a part of your curriculum. Once you graduate, you are covered as a professional and are covered anywhere that your license or certification allows. The coverage also offers Occurrence Form coverage, which is one of the most popular forms in the industry. To qualify for student coverage, you must be enrolled as a student on the start date of your policy. It’s also important to note that the student coverage only covers the discipline you are enrolled in at the start of the coverage.
How can I get started with massage insurance at Massage Magazine Insurance Plus?
We make it fast and easy to get Massage Magazine Insurance Plus’ massage insurance, so you get the coverage you need, quickly. You can apply by phone at (800) 222-1110 or online. And, you will receive access by email to download your certificate and receipt, often within a matter of just a couple of minutes.