Professional liability insurance is instrumental in protecting massage therapists from any lawsuits filed by a client based upon negligence, error, or physical injury. Sometimes referred to as malpractice insurance, it protects the insured person from bearing full costs of a lawsuit or claim made by another party. In a few states, licensed practitioners are required by law to get professional liability insurance.

Massage Magazine Insurance Plus provides some of the most distinguished insurance coverage of its type, a leader in the industry. Our insurance policies cover more than 350 massage modalities, enabling our members to safeguard business interests. Members also receive additional perks, such as a free newsletter, professional website, and complimentary access to a comprehensive continuing education library. In fact, Massage Magazine Insurance Plus insurance offers extraordinary price-value propositions, ones unmatched in the massage industry.

The following is a short overview of some of the distinguishing features of the massage insurance coverage:

• Lowest cost: Massage insurance from Massage Magazine Insurance Plus is 30% lower when compared to other providers, particularly when considering the wide range of coverage and perks, and the educational value of our insurance products.

• Professional and general liability limits: The insurance is designed to offer extensive protection against liabilities arising from client injuries or negligence claims related to professional advice given.

• Free continuing education: We provide the continuing education that is required for maintaining your license through state board-approved classes. Our continuing education includes a test and certificates of completion to help you meet state-mandated legal requirements.

• Rental damage coverage: The scope of our massage insurance coverage extends to protecting the immediate space where you are practicing.

• Damaged and/or stolen equipment coverage: We provide up to $1,000 of protection against theft and break-ins, with a $250 deductible.

You can use this information when conducting your massage insurance comparison.

Just like with any other type of insurance, massage insurance includes a variety of coverage options. Each of these products, for example, has different sets of terms and conditions, which can differ greatly from one insurance provider to another. It is important to compare and evaluate each provider, to ensure that they offer what you need at a good value. But, this can get complicated. Providers often share only one side of the price-value proposition, making it challenging to truly understand what you’re getting for your money. When making your massage liability insurance comparison, it makes sense to seek services from providers who are transparent about what they offer at what price point. Our licensed agents welcome your call to discuss your needs and help you compare massage insurance providers.

Massage Magazine Insurance Plus offers general liability insurance, professional liability insurance, product liability insurance, and rental premises liability insurance.

It’s true that traditional insurance providers such as ABMP and AMTA require a membership fee in addition to insurance costs. This, however, is not universally true because Massage Magazine Insurance Plus does not require its members to pay an additional membership fee. In fact, our members get extra perks and services without any additional costs or hidden terms. Which is just one more reason why Massage Magazine Insurance Plus is the comprehensive, transparent, and unmatched choice for massage liability insurance coverage.

The difference lies in the timing of the covered incident and the timing of the claim. Occurrence Form policies provide coverage if the policy was active when the incident occurred, while Claims-Made policies provide coverage if your policy is active at the time a claim is made. This means that with Occurrence Form coverage, you are still protected from accidents that occurred during your policy period, even if the claim is made years later. With a Claims-Made policy, however, your ability to file claims expires when your coverage expires.

No. When comparing insurance providers, note that AMTA, for example, calculates professional and general liability coverage limits differently. AMTA has a shared annual aggregate limit of $10 million, which means that you share the pool of risk with all other insureds in the pool. If too many claims are submitted by other AMTA customers, the funds in the single $10 million pool used to pay claims could be depleted and you would not have any coverage after that point.

This is a significant disadvantage because it spreads your risk among other practitioners you do not know and cannot control. A shared annual aggregate is less expensive for the insurance company, but much riskier for the insured. Occurrence Form is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect.

Continuing education is an important prerequisite required by the state for practitioners to retain their licenses. Because of continuing education requirements, all three major insurance providers offer CE services as a part of their packages. Massage Magazine Insurance Plus and ABMP offer the service free of charge to their members, while AMTA offers up to a 40% discount on the full price.

It’s important to note that some massage insurance companies have an education requirement for coverage. Massage Magazine Insurance Plus does not have this requirement, which is another factor to consider when conducting your massage insurance comparison review.

Participating in continuing education is an important part of keeping yourself current on new techniques and ideas, plus industry-related news, and more. The number of hours required to maintain insurance coverage, though, differs by the provider, so it makes sense to consider the differences as part of your massage insurance comparison review.

For example:

• AMTA: Members of AMTA are required to complete 48 hours of continuing education every four years.

• ABMP: Members are required to complete 16 hours of continuing education every two years, which is only applicable to their “certified level” of membership.

• Massage Magazine Insurance Plus: Despite offering one of the most extensive libraries of continuing education resources, Massage Magazine Insurance Plus does not require its members to complete specific hours of study.

• AMC: Continuous education is not offered by AMC; therefore, members are responsible for their own professional development.

• Hands On: Not Applicable

The best massage insurance provider is the one that meets your individual requirements, providing what you need at a competitive price. To make an informed decision, you can use this detailed massage insurance comparison guide to help you determine which policy works for you.

Massage liability insurance can take time to understand; therefore you should spend as much time as you need to understand what each service provider offers. A good starting point would be to visit the websites of each provider to get a comprehensive overview. These websites often also offer a streamlined comparison of their insurance policies with those of their competitors. To help, take a look at this detailed massage insurance comparison guide.

Once you get enough basic insight into the policies, it then makes sense to talk to a licensed representative of the company that interests you to make a decision based upon your individual objectives.

Insurance providers may offer additional insurance products that are not related to massage services, and these can play a role in what you decide after your massage insurance comparison. The following list is a brief overview of additional insurance items:

• AMTA: AMTA offers a variety of optional insurance products.

• ABMP: Business personal property insurance is available for $95 or $250, which provides coverage for $10,000 and $25,000, respectively.

• Massage Magazine Insurance Plus: Members are insured for $25,000 for identity protection, $1,000 for stolen equipment, and $2 million in product coverage without any additional fees being charged.

• AMC: Optional coverage of business personal property is available for up to $10,000

• Hands on: This insurance provider does not offer optional services.