Hot Stone Massage Insurance

Hot Stone insurance protects you and your practice from the risks that come with running a business. Our Hot Stone insurance plan from Massage Magazine Insurance Plus includes three categories of coverage: general liability, professional liability, and product liability.

• General liability insurance protects policyholders against third-party claims for bodily injury or property damage. This form of coverage is intentionally broad (thus the term "generic") in order to cover the wide range of possible incidents. It only takes a new client stumbling over your front door mat to find yourself facing a general liability claim.
• Professional liability insurance protects the policyholder from claims arising from malpractice or the services they were providing at the time of the injury or property damage.
• Product liability insurance protects the policyholder from claims arising from a client's unfavorable reaction to a product used during the treatment.

Massage Magazine Insurance Plus is one of the few insurance providers that offer over 55 hours in NCBTMB-approved continuing education courses to our members. We want you to improve your practice, so we offer courses that are both comprehensive and engaging, so you remember more of what you're learning. Our Hot Stone CE courses keep you up to date but please make sure to reference your requirements set by your state board.

Not all states require a license to offer Hot Stone treatments to clients however, each state has different requirements, so check with your state board to see what they require. MMIP we can't insure something that isn't legal for you to conduct, so it is required you be a LMT in order to practice Hot Stone, you'll need receive a license before obtaining Hot Stone insurance.

Yes, you can with MMIP. Other providers offer what is called a  claims-made policy, although we provide the industry-standard occurrence form. Claims-made policies let you to submit a claim only while the policy is still in effect. Occurrence form coverage adopts a more practical, industry-preferred approach, stating that you can still submit a claim after the policy has expired if the claim event occurred within the active term.

Yes. There are numerous situations where an additional insured is required on a policy can better protect you and your practice, and we make it simple to add as many as are required. For example, landlords who don't want to be held accountable for something stemming from their tenants' actions may require being added as an additional insured.

Accidents involving slips and falls are a major source of liability claims for any business. This  type of accident and related claim is not uncommon, MMIP includes general liability coverage, popularly known as "slip and fall insurance" in each policy. With MMIP you are protected up to $2 million in coverage with Hot Stone Liability insurance to cover both the general liability claim and any legal defense expenditures, if required.

Many insurance policies have minimum hour requirements; however, MMIP is an insurance partner with no such requirements. MMIP  wants our Hot Stone Liability protection to to be accessible to practitioners regardless of what stage of their career they're in.

For a flat fee of $169, Hot Stone practitioners may get a full coverage, inexpensive liability policy as well as outstanding member benefits. If you're a student, you can get a discounted student insurance policy for only $25 for a year's worth of coverage.

This is our most commonly asked question; it's common to think about skipping the expense of liability insurance when establishing a business, but failing to do so might have disastrous and costly consequences. For a set charge of $169 per year, or around $14 per month, MMIP delivers cheap, industry-preferred liability insurance. In addition to  Members receiving millions of dollars in insurance coverage, built-in protection mechanisms, and a comprehensive suite of incomparable benefits are included with each policy.

Massage Magazine Insurance Plus covers hundreds of additional massage, health, and wellness services, as apart of the 450+ modalities supported by MMIP, such as Hot Stone Massage such as Facial massage, lymphatic drainage, Reiki, reflexology, and other services are all covered under one policy.

While massage spas supply their employees with liability insurance, this policy often has tiny limitations and yearly aggregates that are shared. This implies that other members of the group may deplete the coverage amount before you get a chance to use it. For only less than $0.47 per day, you can have peace of mind knowing you're protected.

Hot Stone massage serves to relax and calm the body, but it involves the use of high temperatures to heat the stones before laying them on the body, which can result in burns and discomfort, posing a risk. Liabilities exist everywhere for wellness professionals, ranging from a slip and fall accident to treatment-related irritation. When you're dealing with a claim, the consequences may be catastrophic to your reputation and practice, which is why having an insurance partner like MMIP on your side can help you every step of the way.

Massage Magazine Insurance Plus provides over $1,500 in member benefits in addition to inexpensive, full-service coverage. Some of our benefits include over 50 hours of NCBTMB-approved continuing education courses, a complimentary professional website, and exclusive savings on massage-related products.