Massage Liability Insurance Comparison
Your massage liability insurance policy protects you and your practice. Massage Magazine Insurance Plus (MMIP) provides perks and benefits that other liability insurance companies don’t offer, including coverage for 350+ massage modalities, free newsletters, professional website, and complementary access to MASSAGE Magazine’s Continuing Education Library.
Compare MMIP to the competition and see why our massage liability insurance outweighs other massage insurance companies.
MMIP/ABMP | |
MMIP/AMTA/ABMP |
Lowest Price & No Hidden Fees
When shopping for massage liability insurance, price can be a major deciding factor. But, does more expensive really mean more benefits and coverage? With ABMP and AMTA, membership fees are required in order to obtain liability insurance. With Massage Magazine Insurance Plus, no membership fees are required to become insured, and you receive all of the benefits and comprehensive coverage limits without any extra or hidden fees.
Insurance based on price | |
|---|---|
MMIP | $159 |
ABMP | $199/$229 |
AMTA | $235 |
Save 25% or more with MMIP
Professional & General Liability Coverage Limits
Professional (Malpractice) & General (Trip & Fall) Liability Insurance limits are not all created equal. All three insurance companies provide industry-preferred occurrence form coverage. ABMP and MMIP both deliver high coverage limits at $2 Million/$6 Million and $2 Million/$3 Million, respectively. While AMTA delivers high coverage limits at $2 Million/$6 Million, they have a Shared Annual Aggregate limit of $10 Million. This means, everyone insured under AMTA is capped at the $10 Million mark. If there are several large claims or many small claims in the same year and the Shared Annual Aggregate is used up, you may not be covered in the event of a claim.
Coverage limits by company | |
|---|---|
ABMP | $2 Million (Per Occurrence)/$6 Million (Individual Annual Aggregate) |
MMIP | $2 Million (Per Occurrence)/$3 Million (Individual Annual Aggregate) |
AMTA | $2 Million/$6 Million ($10 Million Shared Annual Aggregate) |
Have Your Coverage Limits Reserved for You
Free Continuing Education
MMIP and ABMP include free continuing education as a benefit to their members in addition to liability insurance. Both are NCBTMB-approved. AMTA provides a discount up to 40% on continuing education for its members. Many states require continuing education for licensure, so not having to pay extra for continuing education is a benefit many can not afford to pass up.
Continuing Education benefits | |
|---|---|
ABMP | Free Continuing Education - NCBTMB-approved |
MMIP | Free Continuing Education - NCBTMB-approved |
AMTA | Discount on Continuing Education |
Stop Paying for Online CEs
Rental Damage Coverage
All three insurance companies provide rental damage coverage as part of their massage insurance policy; however, ABMP and AMTA only cover damage when it is related to damages caused by fire or water. MMIP covers all rental damages caused by the renter, whether they are related to fire, water or some other unforeseen accident.
rental damage coverage limits | |
|---|---|
MMIP | $100,000 |
ABMP | $100,000 (Fire/Water Legal Liability) |
AMTA | $100,000 (Fire/Water Legal Liability) |
Protect Your Business Rental Property
Stolen Equipment Coverage
While we never want to think anything could happen to our belongings when we are not looking, sometimes possessions can be stolen. MMIP provides $1,000 in stolen equipment coverage as an added benefit to the liability insurance policy. ABMP and AMTA both require an extra premium to cover you for stolen equipment.
stolen equipment coverage Limits | |
|---|---|
MMIP | $1,000 (*$250 Deductible) |
ABMP | Optional - add $95 |
AMTA | Optional - add $100 |
Stolen Business Property Coverage
What Others Say About MMIP
Amanda Andrews, LMT
Brookville, OH
"I’ve always trusted and appreciated MASSAGE Magazine and VALUEable information/education it presented. I didn’t hesitate to purchase insurance from them!"
"Massage Magazine Insurance Plus+ thank you so much for this valuable product at a great price and coverage of modalities that others want to charge you more for!"
Melissa Curtis, LMT
Lakeland, FL
AMTA |
ABMP |
|||||
| Occurrence-Form Coverage | ✓ | Yes | ✓ | Yes | ✓ | Yes |
|
Professional Liability Insurance
(Malpractice) |
✘ |
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
($10 Million Shared Limit) |
✓ |
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate |
✓ |
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate |
|
General Liability Insurance
(Trip & Fall) |
✘ |
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
($10 Million Shared Limit) |
✓ |
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate |
✓ |
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate |
|
Products Individual Annual Aggregate |
✘ |
$6 Million
($10 Million Shared Limit) |
✓ |
$6 Million |
✓ | $2 Million |
|
CE Hours Included |
✘ |
No |
✓ |
Yes |
✓ | Yes |
|
Hour Qualification |
✘ |
500 hours |
✘ |
500 Hours—Prof. or Certified
100 Hours—Practitioner level |
✓ | No Hours Required for Insurance |
|
Required CE hours |
✘ |
48/4 Years |
✘ |
16/2 Years Certified Level |
✓ | No Hours Required for Insurance |
|
Rental Damage Coverage |
✘ |
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply |
✘ |
$100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply |
✓ | $100,000 |
| Stolen Equipment | ✘ | Optional—Add $100 | ✘ | Optional—Add $95 | ✓ | $1,000 *$250 deductible |
| Identity Protection Plan | ✘ | Optional—10% Discount on Lifelock | ✘ | No | ✓ | Yes |
|
Annual Fee |
$235/yr Professional
$89 first-year Graduate Rate |
$199/yr Professional
$229/yr Certified |
$159/yr Professional
$25 first-year Student |
|||
| NOTE: The information in this comparison has been gathered from the websites 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. | Get Covered | |||||
| AMTA | ABMP | MMIP | |
| Occurence-Form Coverage | ✓ | ✓ | ✓ |
| Professional Liability Insurance (Malpractice) ?AMTA has a shared aggregate policy. | ✓* | ✓ | ✓ |
| General Liability Insurance (Trip & Fall) ?AMTA has a shared aggregate policy. | ✓* | ✓ | ✓ |
| Products Individual Annual Aggregate ?AMTA has a shared aggregate policy. | ✓* | ✓ | ✓ |
| CE hours Included | ✘ | ✓ | ✓ |
| Hour Qualification | ✘ | ✘ | ✓ |
| Required CE hours | ✘ | ✘ | ✓ |
| Rental Damage Coverage ?AMTA and ABMP Liability Limits may apply. | ✓* | ✓* | ✓ |
| Stolen Equipment | ✘ | ✘ | ✓ |
| Identity Protection Plan | ✘ | ✘ | ✓ |
| Annual Fee | $235 | $199/$229 | $159 |
| Get Insured | |||
The Most Coverage at the Lowest Cost
As outlined in the grid above, Massage Magazine Insurance Plus (MMIP) stands out from the competition. From complete professional liability coverage to freebies for your touch therapy practice – MMIP’s massage therapy insurance proves to not only be the most affordable liability and malpractice insurance, but also the most beneficial.
We provide massage therapists with comprehensive coverage at the lowest cost, along with offering $1,000 in stolen equipment and identity protection – both at no additional cost – Massage Magazine Insurance Plus is the clear choice. Get peace of mind that you have gotten the most value for your money when you get insured with MMIP. As a professional in the massage industry serving the needs of others, you deserve to have a solid insurance program to rely on in the event of an unexpected and unfortunate occurrence. Even the best massage therapists may encounter a lawsuit.
Choose MMIP and be supported with the best massage therapy insurance available. Learn why so many practicing massage therapists choose MMIP’s massage liability insurance compared to the competition.
