Massage Liability Insurance FAQs
Questions? We've Got Answers.
These frequently asked questions (FAQs) are designed to provide a better understanding of Massage Magazine Insurance Plus’ policies and member benefits.
How do I add an additional insured to my policy?
Can I add my spouse or employees to my insurance policy?
Why can't my policy be put in my business' name?
What does my massage liability insurance not cover?
What should I do if I have a claim?
After I have stopped practicing, am I still covered?
If I lose my confirmation of coverage, what do I do?
Can I ever cancel my insurance and get a refund?
How soon will my coverage take effect?
Where am I covered?
What is an additional insured?
Do I have to pay to add my employer as an additional insured?
Does my policy cover me as an instructor?
Is there a limit on class size?
Is there an extra charge for practicing more than one modality?
What should I do if I don't see my modality listed?
Does my policy cover medical expenses?
What does the identity protection plan provide?
What is the difference between Professional Liability Insurance and Business Owners Policy Insurance?
Glossary of Insurance Terms
Additional insureds are businesses, people, or some other entity that gets added to a primary insured’s policy, usually through endorsement. Additional insured provides protection for the added party in the case of a negligent act from the primary insured. Find out more about our coverage options.
This is the total dollar limit of all claims that can be filed under a policy within a given term. With MMIP, our policies come with a stout $3 million individual annual aggregate, meaning we will pay up to $3 million for all claims filed during the policy’s term.
A broker helps to match individuals or businesses to carriers. As opposed to an insurance agent that works for a set carrier, brokers help their clients find the carrier with the best policy to meet their unique circumstances and can usually negotiate better rates.
Claims Made Policy
A claims made policy only covers events that are filed while the policy is still in effect. After a policy is expired, claims usually will not be covered. So if your claims-made policy expires on December 31st and then a few weeks later a client asserts that your treatment back in December caused them harm in some way, you’ll more than likely be left paying this claim out-of-pocket. Learn more.
This is the amount that an insured has to pay on a claim before their insurance kicks in. Learn more.
General Liability Insurance
Often referred to as “slip and fall insurance” this type of insurance provides protection to the insured for injuries and property damage. For example, a client may walk into your place of business and trip over a loose rug and injure themselves. This type of claim would be covered under the provisions of your general liability insurance.
Identity Theft Protection
Provides protection against identity theft and threat incidents that would put personal information at risk. Typically includes credit monitoring, dark web scans, and recovery services if your information is jeopardized.
Individual Aggregate Limit
An individual aggregate is the total coverage available for all the claims filed by one individual policyholder within a given term limit.
Occurrence Form Policy
With occurrence form policies, any claim event that occurs while a policy is still active is still covered, no matter if the claim is filed after policy expiration. This important consideration is built-in to all of our policies. Especially in the health and wellness fields, a claim for injuries may take months to manifest. If the claim is filed after your policy expires with a claims-made policy, you’ll more than likely be left paying the claim out-of-pocket. Learn more.
Product Liability Insurance
Covers the insured in the event a product used during the session causes injury or damage such as causing a severe allergic reaction that requires medical treatment.
Professional Liability Insurance
Also known as “malpractice insurance” this insurance coverage is for claims for injuries or damages that arise as a result of providing your services. Learn more.
The actual event that causes an insurance claim to be covered under the provisions of the insured’s policy.
Shared Aggregate Limit
This is the total that will be paid out for a group of individuals that are covered under the same policy. Rather than having individual limits for each person, the group shares one, combined limit for all claims arising during a given term.
Still Have Questions?
Our knowledgeable and helpful insurance agents are ready to answer any questions you may have and walk you through all your options for insurance as a massage therapist. Contact Us.