Insurance For Holistic Practitioners
Determining if your insurance covers massage therapy can be challenging, as coverage varies by policy and medical necessity. Often, a doctor’s referral is required. Check with your insurer for details on covered massage types, required documentation, and in-network therapists. If insurance doesn’t cover it, consider using HSAs, FSAs, or discounted services at massage schools as alternative payment options.
Covers 450 modalities Nationwide
Covers Online Sessions
Fast + Secure Online Application
Includes Free CEs and Discounted CertificationS
How Much Does Insurance For Holistic Practitioners Cost?
1 year full-timepolicy
Built for full-time holistic practitioners and wellness professional.
$
169
2 year full-timepolicy
The most cost-effective option that locks-in a $149 per year rate.
$
299
1 year PART-timepolicy
Built for pros who work fewer than 10 hands-on hours per week.
$
159
1 year Studentpolicy
Built for pros who work fewer than 10 hands-on hours per week.
$
49
Massage Magazine Insurance Plus offers professional & general liability insurance for holistic practitioners for $169/YR for full-time professionals and $149/YR for part-time professionals.
Your policy automatically protects you to practice over 450+ modalities and techniques ranging from traditional massage therapy, to energy healing disciplines all the way to yoga instruction and Asian bodywork, all at no extra cost.
Get fully insured online in under five minutes and get instant coverage that’s backed by Arthur J. Gallagher & Co., the fourth-largest insurance brokerage in the world.
Liability Insurance Limits
1 Additional Insured: $10 | Unlimited Additional Insureds: $30
Some massage insurance policies offer different limits based on your full-time or part-time status. This would mean that if you are a part-time massage therapist, you may have less coverage than a full-time one.
We don’t believe in offering different coverage limits, so all our policies have the same limits. Full-time, part-time, or student, all members enjoy the same great coverage. Our massage insurance program prices are based on how you use the coverage and decide to pay.
Professional/General Liability $2MM per occurrence / $3MM annual aggregate
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.
Personal Injury & Advertising Coverage $2MM aggregate
This coverage can help protect you if you’re accused of libel, slander, or false advertising.
Identity Protection Coverage $25,000
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.
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Disciplines and Modalities We Cover
One policy automatically covers you for over 450+ modalities and disciplines in all 50 states.
- Bodywork Therapy
- Reiki
- Acupressure
- Shiatsu
- Tuina
- Medical Qigong
- Nuad Bo ‘Rarn
- Chi Nei Tsang
- Reflexologists
- Massage Therapists
- Yoga Instruction
- See All 450+
Insurance Reviews from Holistic Healers
Easy and Simple to apply and be accepted. Paperless and convenience is a plus as well. Not to mention all the bonuses like free CEUs and webinars and educational materials.
Ronda
The price is excellent and the coverage is the best you can get! It covers so much more than you could possibly imagine or find with any other company!The ease of enrollment is great. Added bonus is the ces and other benefits. Great customer service if you need them for anything.
Gearldine Jeri
I have been with them by 4 years they had affordable prices also cover a lot modalities and give you CE curse free . I’m very happy with my insurance .
Romy
Been using them for insurance for over 10 years. Someone friendly always answers the phone, have never been put on hold, always helpful when I’m looking for my login or copy of certificate.
Jen
Why Choose MMIP Insurance for Holistic Healers?
Accidents Can Happen
Regardless of your training or experience, accidents can occur. Whether a client alleges negligence, sustains an injury during a session, or faces another unexpected situation, it’s essential to ensure both your professional and personal lives are safeguarded. That’s where Massage Magazine Insurance Plus steps in, offering holistic practitioners peace of mind.
Without insurance, a legal claim can cost a holistic healers not only their esteemed reputation but also thousands of dollars, potentially jeopardizing the future of their massage business.
Holistic Practitioners Insurance Coverage
For the affordable annual rate of $169, you’ll obtain extensive liability coverage tailored for holistic practitioners and other wellness professionals. Our package encompasses professional liability (malpractice), general liability (trip and fall), and product liability.
Additionally, our occurrence form coverage ensures that any claim filed after your policy’s expiration will be addressed, provided the incident occurred during the active policy period.
We Offer What Others Don’t
Holistic practitioners insurance policy safeguards you and your practice. Massage Magazine Insurance Plus (MMIP) offers advantages and benefits that stand out from other insurance providers. Compare MMIP to the competition and discover why our holistic practitioners liability insurance is superior.
Bonus Benefits
- Access over 24 hours of free online continuing education courses
- Access health insurance coverage for you and your family
- Get a FREE Professional Website
- Receive over $1,800 in discounts with our member benefits
Holistic Healers Insurance Comparison
MMIP | AMTA | ABMP | Hands on Trade | Beauty & Bodywork | ||||||
Occurrence-Form Coverage | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✘ | No |
Professional Liability Insurance (Malpractice) | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate | ✘ | $2 Million Per Occurrence $6 Million Annual Aggregate ($10 Million Shared Limit) | ✓ | $2 Million Per Occurrence $6 Million Annual Aggregate | ✓ | $2 Million Per Occurrence | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate |
General Liability Insurance (Trip & Fall) | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate | ✘ | $2 Million Per Occurrence $6 Million Annual Aggregate ($10 Million Shared Limit) | ✓ | $2 Million Per Occurrence $6 Million Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate |
Products Annual Aggregate | ✓ | $2 Million | ✘ | $6 Million ($10 Million Shared Limit) | ✓ | $6 Million | ✓ | $2 Million | ✓ | $3 Million per year |
CE Hours Included | ✓ | Yes | ✘ | No | ✓ | Yes | ✘ | No | ✘ | No |
Hour Qualification | ✓ | No Hours Required for Insurance | ✘ | 500 hours | ✘ | 500 Hours—Prof. or Certified 100 Hours—Practitioner level | ✘ | No | ✘ | No |
Required CE hours | ✓ | No Hours Required for Insurance | ✘ | 48/4 Years | ✘ | 16/2 Years Certified Level | ✘ | No | ✘ | No |
Identity Protection Plan | ✓ | Yes | ✘ | Optional—10% Discount on Lifelock | ✘ | No | ✘ | No | ✘ | No |
Annual Fee | $169/yr Professional $49 first-year Student | $235/yr Professional $89 first-year Graduate Rate | $199/yr Professional $229/yr Certified | $169/yr Professional $75/yr Student | $96/yr Professional $67/yr Student | |||||
Get Covered | 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. |
MMIP | AMTA | ABMP | Hands on Trade | Beauty & Bodywork | |
Occurence-Form Coverage | ✓ | ✓ | ✓ | ✓ | ✘ |
Professional Liability Insurance (Malpractice) | ✓ | ✓* | ✓ | ✓ | ✓ |
General Liability Insurance (Trip & Fall) | ✓ | ✓* | ✓ | ✓ | ✓ |
Products Individual Annual Aggregate | ✓ | ✓* | ✓ | ✓ | ✓ |
CE hours Included | ✓ | ✘ | ✓ | ✘ | ✘ |
Hour Qualification | ✓ | ✘ | ✘ | ✘ | ✘ |
Required CE hours | ✓ | ✘ | ✘ | ✘ | ✘ |
Rental Damage Coverage | ✓ | ✓* | ✓* | ✘ | ✘ |
Stolen Equipment | ✓ | ✘ | ✘ | ✘ | ✘ |
Identity Protection Plan | ✓ | ✘ | ✘ | ✘ | ✘ |
Annual Fee | $169 | $235 | $199/$229 | $154 | $96 |
Get Insured |
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.
* AMTA has a shared aggregate policy.
Benefits of Having Holistic Healing Insurance
Holistic Practitioners insurance should be among the initial investments for a new business. In our litigious society, even a minor mishap like a slip-and-fall can jeopardize a therapist’s ability to work. Liability insurance from MMIP is a prudent business choice, shielding both the business and the therapist from potential claims. MMIP supports you and your enterprise, offering peace of mind and fiscal security in unpredictable situations. The added benefits in our coverage are tailored from years of experience and feedback, incorporating safeguards such as Identity Theft Protection, Equipment Coverage, a Free Professional Website, and Unlimited Continuing Education (CE) courses. Our goal is to foster your business’s success. Should a liability issue arise, our coverage assists in managing the impact, enabling you to continue offering top-tier treatments to clients who value them most.
Ways You Can Avoid Claims
Here are some essential steps for holistic therapists to minimize the risk of claims:
- Ensuring Safe Environments: As service providers, there’s a legal responsibility to ensure that the location where you’re providing the massage is safe and secure for clients. This may involve checking for secure footing, adequate lighting, or ensuring privacy. Implementing measures like locks or security lights, especially if you’re working from a mobile setup or a temporary venue, can reduce liability.
- Minimizing Professional Liability: Paying close attention to a client’s health history, preferences, and any concerns is vital. For instance, a technique that works for one client might not be suitable for another, or a client might have specific medical conditions or sensitivities. Regular communication before, during, and after the session can preempt many issues, reducing the risk of claims related to the treatment provided.
- Preventing General Liability Claims: Holistic health environments are susceptible to general liability claims, commonly arising from “slips and falls”. These incidents can occur due to hazards like unsecured equipment or wet surfaces. It’s crucial for practitioners, especially those working in various locations, to ensure a safe and secure environment. This includes routine checks and maintenance of the treatment area to prevent accidents and reduce liability risks.
Please note: This is not a comprehensive list, and therapists should consult with an MMIP professional to ensure they have the right coverage in case of a claim. While taking precautions can minimize risks, it’s impossible to eliminate them entirely. Regardless of the massage technique you specialize in, having insurance for holistic practitioners is crucial to safeguard your practice when unexpected events occur. Even seasoned holistic healers, despite their expertise and diligence, might encounter a claim during their careers. Our cost-effective plans offer peace of mind as you assist clients in achieving relaxation and well-being. We’re here to guide you throughout the process—contact us now.
Insurance For Holistic Practitioners Frequently Asked Questions
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A new client tripping over your front door mat can be all it takes to suddenly be facing a general liability claim against you.nProfessional liability – covers the policyholder from claims related to malpractice, or the actual services they were performing when the injury and/or property damage occurs. nProduct liability – covers the policyholder from claims relating to a client having an adverse reaction experienced because of a product used during the session.nnAdditional areas of coverage that beefs up the level of protection include rental damage coverage, and stolen equipment coverage.n”}},{“@type”:”Question”,”name”:”How much does reiki practitioner insurance cost?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Reiki practitioners can get our all-encompassing insurance policy tailored just for energy work for the low annual rate of just $159. If you’re a student, you can take advantage of our discounted reiki student insurance policy. At just $25 for an entire year of coverage, this professional-caliber policy is one of the best values on the market today. nnA smart move is to wait until just before graduating to activate your student insurance policy. That way, you’ll get most of your first year on the job covered, great insurance options, and awesome benefits – all for around $2 per month.n”}},{“@type”:”Question”,”name”:”Where can you get CEUs for reiki massage?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Massage Magazine Insurance Plus is one of the very few reiki insurance programs that comes with unlimited NCBTMB-approved continuing education courses. These courses are designed to be both informative and engaging so you retain more of what’s being taught. Self-paced with insights from industry pros, our CE courses for reiki massage help you stay current and can help count towards the continuing education requirements set by your state board.n”}},{“@type”:”Question”,”name”:”Is reiki liability insurance worth it?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”This is a question we receive often, especially from first time teachers considering foregoing the cost of reiki insurance and just taking their chances. Our reiki insurance policy was tailored for reiki practitioners who want the security of a solid plan safeguarding their practice in the therapy they love. At just $159 per year, or around $13 per month, each policyholder gets millions of dollars worth of insurance coverage types, additional protection mechanisms built-in, and a whole suite of awesome member benefits that are available to use immediately. Compared to the price of a lawsuit which could include medical bills, rehabilitation costs, lost wages, legal fees, and more, the coverage and peace of mind that comes with securing reiki insurance is an incredible value. n”}},{“@type”:”Question”,”name”:”Can you get reiki insurance coverage without being an LMT?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Some states don’t require a license in order to practice reiki massage but every jurisdiction is different so make sure you’re up to date on your state board’s requirements. With that said, we can’t insure something that isn’t legal for you to do, so if a license is required by your state, you’d need that in order to secure reiki insurance coverage.”}},{“@type”:”Question”,”name”:”What types of services does energy work insurance cover?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”We know even within a specialized practice like reiki, there are many different techniques that can be employed to be most beneficial to your client. Yet some policies only cover a limited number of core services and then charge extra or don’t cover anything outside of that. That’s why MMIP created a program that covers not only the many variations of reiki, but literally hundreds of additional massage, health, and wellness services, as well. Acupressure, shiatsu, medical qigong, reflexology, and more are all covered under one all-encompassing policy. “}},{“@type”:”Question”,”name”:”Can you file a claim for reiki insurance after your policy expires?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”With MMIP, yes you can. Some policies fall under a claims made policy but ours use the industry-preferred type which is occurrence form. Claims made policies are clear cut – you have to file a claim while the policy is still active in order to be considered. If you have a session on the last day of your policy, but a claim comes days later, you simply wouldn’t be able to file for this claim. nnOccurrence form coverage takes a more realistic approach and says you can still file a claim after the policy expires as long as the claim event happened during the active term. This important distinction can mean the difference between full coverage and no coverage at all so always make sure your policy uses occurrence form.”}},{“@type”:”Question”,”name”:”I work for a massage spa, why do I need my own reiki practitioner insurance?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Massage spas do usually carry some insurance for their employees, but this can be a small amount of coverage and commonly they’ll have shared annual aggregates. This means that the coverage amount can be depleted by other members in the group before you get a chance to use it. To get the peace of mind knowing you’re covered no matter what, and at just $159 per year, having your own reiki insurance policy is the way to go.”}},{“@type”:”Question”,”name”:”Can you add additional insureds to a reiki liability insurance policy?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Absolutely. There are many occasions where an additional insured is needed on a policy so we make it easy to add as many additional insureds as is needed. As an example, being added as an additional insured may be required by landlords that don’t want to be held liable for something arising from the activities of their tenants. “}},{“@type”:”Question”,”name”:”Why do reiki practitioners need insurance?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”True, reiki is the practice of channeling energy in a way that benefits clients in mind, body, and spirit. With a minimal amount of physical touching involved, you may wonder why insurance is even necessary. Unfortunately, liabilities are everywhere for wellness professionals and even practiced reiki practitioners can face a claim event at some point in their careers. Accidents happen in many different forms and often are simply odd, chance occurrences. nnWhen a client slips on a loose rug and falls in just the right way, the resulting injuries can be devastating. Paying out of pocket for their medical bills, lost wages, rehabilitation costs, and even legal fees can wreck your personal finances and even jeopardize a career. That’s why having the safety and security of a solid insurance plan just makes sense for obtaining longevity in the field.”}},{“@type”:”Question”,”name”:”Does energy work insurance cover slip and fall lawsuits?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Slip and fall accidents are unfortunately an all too common type of claim that can happen to anyone who opens their doors for business. General liability coverage is also called “slip and fall insurance” since this type of injury and ensuing claim event is a common category. If your client gets injured or has their property damaged while seeing you to receive services , they may decide to file suit against you to get restitution. With MMIP’s energy work insurance, you’d have all the way up to $2 million to cover both the costs of the general liability claim and any legal defense fees, if they’re necessary.”}},{“@type”:”Question”,”name”:”Do you get any member benefits with reiki insurance?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”Absolutely! In addition to a number of extra protections above and beyond liability coverage like identity protection, rental damage coverage, and more, members enjoy access to a full suite of benefits worth hundreds of dollars all by itself. Take advantage of 50 hours of NCBTMB-approved continuing education courses, get a free, custom website up and running, and enjoy exclusive discounts from the top names in massage products and business services.”}},{“@type”:”Question”,”name”:”Does reiki insurance have an hour qualification?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”While some reiki insurance plans out there do require a certain level of hours of training and/or education, MMIP has no such requirement. We want our reiki insurance policies to be as accessible to professionals as possible, no matter where they find themselves in their careers. “}}]}[/tcb-script]Accidents Can Happen