Massage Liability Insurance FAQs

You can add an additional insured to your policy at any time. Click here to fill out a form to get an additional insured added to your policy.

No, MMIP offers an individual massage therapist insurance program, and each licensed practitioner is responsible for his or her own policy.

This is a personal liability insurance policy so it must be in the practitioner’s name but, as a sole proprietor, your business name is also covered. If you have a corporation or partnership, your business may be added as an additional insured.

Your MMIP policy does not cover invasive practices, such as acupuncture, colonic educators or herbal counseling. This policy also does not cover the use of T-bars, charges of sexual harassment or the transmission of HIV or a STD. See a full list of exclusions here.

To place a claim, call MMIP at 1-888-532-0322 to report the event as soon as possible. We will immediately mail you a claim form.

As long as your policy was in effect at the time of the incident, you are covered under our policy. MMIP offers occurrence form coverage, meaning you are still covered for claims filed after your policy expires, as long as the incident in question occurred during your policy term. Let’s say your policy with MMIP expires on Jan. 31, for example, and you do not renew because you’re no longer in practice. You will still be covered for any claim filed after Jan. 31, as long as the incident happened when you were insured (on or before Jan. 31).

Your confirmation of coverage is your proof that you have liability coverage with MMIP. If you misplace it, just call us and we will mail you a copy, free of charge. We urge our clients to keep this document in a secure place with their other important documents.

As you are instantly enrolled into the MMIP system, and your certificate is emailed to you immediately, there will be no refunds from our policy.

MMIP is sensitive to the privacy interests of its clients and believes that the protection of those interests is a significant responsibility. In acknowledgment of its obligations, MMIP has adopted the following Privacy Policy, applicable to the consumer information that it acquires in the course of its business: 1. Acquisition of Information. We do not acquire any more information about our clients than is required by law or is otherwise necessary to provide a high level of service. 2. Our Employees and Privacy. We train our employees about the importance of privacy. We give access to information about consumers only to those employees who require it to perform their jobs effectively. 3. Security Measures. We make access to privacy-sensitive information consistent with legal requirements, subject to rigorous technological controls, and the demands of customer service. 4. Disclosure to Third Parties. We will provide individually-identifiable information about consumers to third parties only if we are compelled to do so by order of a legal authority, we have the express consent of the consumer, or it is necessary to provide services to our clients.

Your coverage with MMIP goes into effect immediately. If you apply online or by phone, you will be emailed your certificate of insurance within minutes of completing the application.

Your MASSAGE Magazine Insurance Plus insurance policy covers you in all 50 United States. US territories, such as Puerto Rico, are not included in the coverage. Countries outside of the United States, such as Canada, are also not included.

Additional insureds are typically an employer, landlord, or an event organizer. When you add an additional insured to your policy, you are extending your coverage to this named entity if a claim were to arise against you that would also affect the additional insured.

Yes, the cost is $10 per additional insured.

Yes. As long as the modality that you teach is covered under our policy, the teaching of that modality is also covered.

No, there is no limit on class size or the number of hours you teach.

No, a single MMIP policy covers more than 350 modalities, which are listed here. You do not need to purchase additional policies or add-ons for additional modalities.

As long as the modality is not an excluded method, and you are in compliance with your state and license regulations, you can rest assured your beauty & bodywork career is covered.

Yes, medical expenses are included in your liability coverage. You may notice that there is no limit assigned to these expenses on your certificate of insurance. This is because medical expenses are covered by your general liability insurance, and included in your policy limits of $2 million per occurrence and $3 million annual aggregate.

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Professional liability insurance covers your business, as a sole practitioner, against claims about a service you provided that may have resulted in a client suffering financial or physical harm due to a mistake you made or service you failed to perform. A business owners 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.