A Guide on Massage Therapist Liability Insurance
Massage therapy is a profession of care and trust, where your primary goal is to ease discomfort and promote wellness. Yet, like in any profession, unexpected situations can arise that pose financial or legal challenges to your practice.
At Massage Magazine Insurance Plus, we understand the importance of insurance coverage to manage these challenges confidently. Our insurance solutions are specifically for massage therapists, addressing the unique risks you actually face in your career.
Our massage insurance coverage is crafted to provide a complete shield against unforeseen adversities, allowing you to focus on what you do best—healing your clients. With the right protection, you can continue providing valuable services, knowing your practice is secure.
Our Massage Therapist Insurance Cost
1 Year
Professional Rate
Our most popular policy option, built for the full-time professional.
$
169
/1yr
2 Year
professional rate
Our most affordable option, costing you as low as $0.41/day.
$
299
/2yr
What's Included in a Massage Therapist Liability Insurance Plan?
At Massage Magazine Insurance Plus, we offer tailored insurance solutions for massage therapists. Our massage insurance coverage is categorized into General Liability Insurance, Professional Liability Insurance (E&O), and other additional coverages, each aimed at providing a safety net for different aspects of your practice.
General Liability Insurance
General Liability Insurance is a form of insurance that every massage professional should have. It provides a layer of protection against major lawsuits and can help pay for medical bills, legal costs, settlements, and more that arise when an accident including bodily injury occurs. It protects professionals against claims that include bodily injury and general incidents like slip and fall accidents.
This basic coverage safeguards you from the everyday risks of running a massage therapy practice, one of the most common claims we see general liability insurance cover include incidents where clients sustained injuries from falling off a massage table or chair.
Our plan provides you with up to $2 million per occurrence and up to $3 million per year.
ID Theft Protection
It’s more important than ever to protect your personal information online. That’s why our insurance membership includes $25,000 per year in ID theft coverage.
Professional Liability Insurance (E&O)
Professional Liability Insurance, or Errors and Omissions (E&O) Insurance, protects you against claims arising from your professional advice or services. Coverages include protection against claims of Negligence, Misrepresentation, Violation of Good Faith and Fair Dealing, Incorrect Advice, and Failure to Refer. It's the coverage that protects your professional advice and services.
If a client sues you under a professional liability or malpractice claim, MMIP will cover up to $2 million per claim with an annual aggregate of $3 million.
Personal Injury & Advertising Coverage
Our all-inclusive insurance package safeguards your professional reputation against claims related to slander, libel, or invasion of privacy. With our coverage, you can confidently handle advertising challenges, protect against claims of copyright infringement, and more.
The coverage also assists businesses in managing legal expenses, settlements, and judgments, with MMIP offering up to $2,000,000 per year for personal injury and advertising.
Policy Perks & Member Benefits
A policy with Massage Magazine Insurance Plus covers over 500+ techniques and modalities at no additional cost and follows you nationwide. But with MMIP, you get more than just great coverage. All insurance members receive access to thousands in exclusive discounts including access to free online continuing education courses.
Common Claims for Massage Therapists & How To Avoid Them
Understanding the most common claims in massage therapy and implementing proactive measures to avoid them is crucial for maintaining a thriving practice.
The most common claims massage therapists face:
While having reliable and trustworthy insurance plan is essential, it's equally important for therapists to adopt additional measures to minimize or prevent potential claims.
These measures include:
Read more about these important tips for preventing potential issues in your practice.
How Much is Massage Liability Insurance with Massage Magazine Insurance Plus?
1 Year
Professional Rate
Save $10 with this first year introductory rate and take advantage of everything we have to offer.
$
169
/1yr
2 Year
professional rate
Save 13% when you get a 2 year policy and worry about renewals half as much.
$
299
/2yr
1 Year Part-Time
professional rate
Only practice part-time? Save $10 on one year of coverage with our part-time professional rate
$
159
/1yr
Liability Insurance Limits
1 Additional Insured: $10 | Unlimited Additional Insureds: $30
Some massage insurance policies will offer different coverage limits based on your career status. This would mean that if you are a part-time massage therapist or in school to become one, you may have less coverage than a full-time one.
We don’t believe in offering different coverage limits which is why all of our policies have the same limits. Full-time, part-time, or student, all massage therapy insurance members enjoy the same great coverage.
Our massage insurance program prices are based on where you are in your career.
Professional Liability Insurance: Also known as "malpractice insurance" or "errors and omissions insurance," covers claims related to professional negligence, including instances like burns from hot stones or injuries during a deep tissue massage.
General Liability Insurance: Provides protection from claims that may not directly stem from your professional services. For example, if a client simply tripped and fell on your property, this coverage would protect you from the financial fallout of the lawsuit.
This coverage can help protect you if you’re accused of libel, slander, or false advertising.
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.
Glossary of Insurance Terms
Here, you'll find explanations for key terms vital in understanding the insurance side of your business, guaranteeing that you have the right protection for your practice.
Additional Insured: A person or entity added to an insurance policy to receive coverage for certain activities or relationships.
Aggregate: The maximum amount an insurance policy will pay during a period, like a policy year.
Certificate of Insurance (COI): A document evidencing the existence of an insurance policy, showing coverage types and limits.
Claims-Made Policy: Insurance providing coverage for claims made and reported during the policy period.
Commercial General Liability (CGL): Insurance covering a business for bodily injury, personal injury, and property damage caused by the business’s operations or products.
Cyber Liability Insurance: Coverage for costs associated with recovery after a cyber-related security breach or event.
Damage to Premises: Liability coverage for damage caused to rented premises by the insured.
Deductible: The amount the insured pays before the insurance company's coverage begins.
Endorsement: A written change to an insurance policy, altering its coverage, terms, or conditions.
Errors & Omissions (E&O): Professional liability insurance covering claims of inadequate work or negligent actions.
Exclusion: Specific conditions or circumstances not covered by an insurance policy.
General Liability Insurance: Coverage for bodily injuries and property damage to third parties due to the insured's products, services, or operations.
Individual Aggregate Limit: The maximum total payout by an insurer for all covered losses in a specified period.
Inland Marine Coverage: Insurance for property not fixed at a specific location, like goods, tools, and equipment.
Legal Defense Coverage: Coverage for legal defense costs, separate from policy limits.
Occurrence-Form Coverage: Protection against late-filed claims, covering incidents during the policy term.
Professional Liability Coverage: Protects against malpractice or negligence claims in providing professional services.
What Our Members Say
I like that I’m paying for a good quality policy, knowing that I’m covered for the unexpected. I also really appreciate the affordability of my insurance coverage and how easy my massage insurance is to renew.
Norma Harvey
Massage Therapist
MMIP is an amazing company and has been a joy to be a part of. I have recommended this Insurance to coworkers, and they have joined. I will continue to recommend you to all my massage peeps! Have a great day!
Adam Parker
The first year I had insurance, nothing happened. I thought, “What’s the point of spending the money if I am not going to use it?” Then I had a client come in complaining about her reaction to her treatment. That’s when I realized I needed insurance, and I am grateful to have Massage Magazine Insurance Plus.
Marie C.
MMIP has always been great with their customer service by answering questions in a professional and timely manner. Anytime I have to add an additional insured, MMIP has made it an extremely quick and easy transaction. I am very grateful for the service I have received over the past 12 years.
Justina Hopkins
Myoskeletal Specialist
Who Is Massage Magazine Insurance Plus?
MASSAGE Magazine developed Massage Magazine Insurance Plus to provide a comprehensive liability insurance policy covering dual health and wellness practitioners across all 50 states.
Now backed by Arthur J. Gallagher & Co., we are able to provide our members with all-inclusive insurance coverage that's more dependable than ever but is still operated by the same team that has been serving the massage and bodywork industry since 1985.
FAQs
Professional liability insurance is instrumental in protecting massage therapists from any lawsuits filed by a client based on negligence, error, or physical injury. Sometimes referred to as malpractice insurance, it protects the insured from bearing the 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 offers general liability insurance, professional liability insurance, and product liability insurance.
The difference lies in the covered incident's timing and the claim's timing. 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 when 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.
All three major insurance providers—AMTA, ABMP, and Massage Magazine Insurance Plus—offer Occurrence Form coverage as a part of their massage therapy liability insurance. Each provider offers professional liability insurance and general liability coverage of up to $2 million per occurrence with annual aggregates.
Massage Magazine Insurance Plus offers honest, dependable, and affordable professional massage liability insurance for $169 per year for full-time pros and $159 for part-time professionals. Part-time massage professionals include those who work hands-on with their clients for fewer than 10 hours per week.
Your coverage with MMIP goes into effect immediately upon completing the application. You will receive your certificate of insurance via email within minutes. There is no need to request a quote; coverage starts immediately!
Your MassageMagazine Insurance Plus policy covers all 50 United States, excluding US territories like Puerto Rico and countries outside the United States like Canada.
*For customers in the state of Indiana, professional liability limits are increased to $2 million per occurrence and $6 million individual annual aggregate for massage therapy services only; General liability limits are increased to $2 million per occurrence and $8 million individual annual aggregate for massage therapy services only.
See a full list of exclusions here.
This policy is a personal liability insurance; hence, it must be in the practitioner's name. However, 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.
Yes, as long as the modality that you teach is covered under our policy, the teaching of that modality is also covered.
MMIP offers an individual massage therapist insurance program, and each licensed practitioner is responsible for their policy.
An additional insured is a person or entity other than the primary insured protected under the insurance policy. Adding insured extends the policy's coverage to include claims arising from the additional insured's operations or premises.
You can easily add insurance to your policy at any time. Call MMIP at (888) 532-0322 to request an additional insured.
No, a single MMIP policy covers more than 450 modalities. You do not need to purchase additional policies or add-ons for additional modalities.
Your career is covered as long as the modality is not an excluded method and you comply with your state and license regulations. If you have any questions on this, feel free to contact our customer support team.
Medical expenses are included in your liability coverage as part of your policy limits of $2 million per occurrence and $3 million individual annual aggregate.
Call MMIP at 1 (866) 455-5040 to report the event as soon as possible to place a claim. We will immediately mail you a claim form.
Your confirmation of coverage is your proof of liability coverage with MMIP. If misplaced, call us, and we will email you a copy, free of charge. It's advised to keep this document in a secure place with other important documents.