Frequently Asked Questions About LMT Insurance
These frequently asked questions (FAQs) are designed to provide a better understanding of Massage Magazine Insurance Plus’ policies and member benefits. If you do not find an answer to your question on this page, we encourage you to contact us at 1-800-222-1110 or firstname.lastname@example.org.
How do I add an additional insured to my policy?
You can add an additional insured to your policy at any time. Click here to request an additional insured to be added or call us.
Can I add my spouse or employees to my insurance policy?
No, MMIP offers an individual massage therapist insurance program, and each licensed practitioner is responsible for his or her own policy.
Why can't my policy be put in my business' name?
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.
What does my massage liability insurance not cover?
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.
What should I do if I have a claim?
To place a claim, call MMIP at 1-800-222-1110 to report the event as soon as possible. We will immediately mail you a claim form.
After I have stopped practicing, am I still covered?
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).
If I lose my confirmation of coverage, what do I do?
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.
Can I ever cancel my insurance and get a refund?
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.
How soon will my coverage take effect?
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.
Where am I covered?
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.
What is an additional insured?
Sometimes, your employer or landlord will require you to add them as an additional insured. In doing so, you are giving that person or entity legal claim on the benefits paid under the general liability portion of your policy to the extent they suffer a loss.
Do I have to pay to add my employer as an additional insured?
Yes, the cost is $10 per additional insured.
Does my policy cover me as an instructor?
Yes. As long as the modality that you teach is covered under our policy, the teaching of that modality is also covered.
Is there a limit on class size?
No, there is no limit on class size or the number of hours you teach.
Is there an extra charge for practicing more than one modality?
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.
What should I do if I don't see my modality listed?
Call us at 1-800-222-1110. We will send information about your modality to our underwriters, and they will let us know if we are able to cover it. If so, we will add it to the list of modalities covered on our website.
Does my policy cover medical expenses?
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 individual annual aggregate.
What does the identity protection plan provide?
The Identity Protection Plan powered by Identity Fraud, Inc. provides important protection and assistance for any type of identity theft. If you have a question about fraud or become a victim, the primary benefit is having VRS Elite Unlimited, which provides unlimited access to certified fraud victim resolution professionals that will help resolve your case, whether it is simple or complex. In addition, you have access to their Keystroke Encryption Software, Lost Wallet service, the IFI Loss Prevention and Resource Guide, Discounts on Upgrades, Opt-Out service support and $25,000 of identity insurance with a $0 deductible to provide extra peace of mind and financial protection. To obtain discounts on enhanced protection, simply visit https://my.identityfraud.com and use the Promo Code: MMIP20 to obtain a 20% continuous discount.
What does the phrase "$2 million per occurrence" and "$3 million individual annual aggregate" mean?
Per occurrence means the maximum amount of coverage available to you for each individual incident resulting in a claim. MMIP offers $2 million of liability coverage per occurrence, or per single claim. Individual annual aggregate is the maximum amount of coverage available to you for all incidents that occur during the course of a policy year. MMIP offers an individual annual aggregate of $3 million. In other words, you have $3 million of liability coverage available to you per year.