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Professional Policy for Kinesiologists
What is Kinesiology?
Kinesiology is the study of the mechanics of the human body's movements and how that impacts our health and wellbeing. The practice of kinesiology was developed in the 1960's by Dr. George Goodheart, this practice involves elements of traditional Chinese medicine and anatomy to identify weaknesses in the muscles, joints, and ligaments. Kinesiology massage uses relaxation techniques to remove stress or weaknesses from areas of our bodies to improve the bodies functionality, these massage techniques can additionally increase our mood, circulation, and improve our health.
Disciplines and Modalities We Cover
Accidents Can Happen
There is no prediction or timeline of when an accident can happen, you could be just graduating or in practice for over 10 years and a client could still slip and fall in the lobby during inclimate weather or have an adverse reaction to any products used during treatment. Massage Magazine Insurance Plus or MMIP protects both you and your practice in the event of a claim.
MMIP considers itself to be an insurance partner rather than a provider because we want to grow with you and your practice.
Kinesiology Insurance Coverage
For the unbeatable annual rate of $169.00, you’ll receive the most comprehensive liability coverage available to Kinesiologists along with other wellness professionals! Our program includes professional liability (malpractice), general liability (trip and fall), and product liability coverage, as well as rental damage insurance.
Plus, we offer occurrence form coverage, meaning any claim filed after your policy expires will still be covered, as long as the actual incident took place while your policy was active.
Bonus Benefits
We Offer What Others Don't
Your kinesiology liability insurance policy protects you and your practice. Massage Magazine Insurance Plus (MMIP) provides perks and benefits that other liability insurance companies don’t offer. Compare MMIP to the competition and see why our massage liability insurance outweighs other massage insurance companies.
Alternative | IdeaFit | |||||
| Occurrence-Form Coverage | ✘ | No | ✓ | Yes | ✓ | Yes |
| Professional Liability Insurance (Malpractice) | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $4 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate |
| General Liability Insurance (Trip & Fall) | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $4 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate |
| Products Individual Annual Aggregate | ✓ | $2 Million | ✓ | $2 Million | ✓ | $2 Million |
| Unlimited CE Hours Included | ✘ | No | ✘ | No | ✓ | Yes |
| Hour Qualification | ✘ | 100 hours of Training or 5 Years Experience | ✓ | No Hours Required for Insurance | ✓ | No Hours Required for Insurance |
| Required CE hours | ✘ | Minimum Required by State | ✓ | No Hours Required for Insurance | ✓ | No Hours Required for Insurance |
| Rental Damage Coverage | ✓ | $300,000 General Liability Limits May Apply | ✓ | $100,000 | ✓ | $100,000 |
| Stolen Equipment | ✘ | No | ✘ | No | ✓ | $1,000 *$250 deductible |
| Identity Protection Plan | ✘ | No | ✘ | No | ✓ | Yes |
| Annual Fee | $249/yr Professional $189 first-year Student | $304/yr Professional $244 first-year Student | $169/yr Professional $25 first-year Student | |||
| 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. | Get Covered | |||||
| Alt Balance | IdeaFit | MMIP | |
| Occurence-Form Coverage | ✘ | ✓ | ✓ |
| Professional Liability Insurance (Malpractice)?NAMT has $3Mil/$1 Mil Policy. | ✓ | ✓ | ✓ |
| General Liability Insurance (Trip & Fall) ?NAMT has $3Mil/$1 Mil Policy. | ✓ | ✓ | ✓ |
| Products Individual Annual Aggregate ?NAMT has $3Mil/$1 Mil Policy. | ✓ | ✓ | ✓ |
| Unlimited CE hours Included | ✘ | ✘ | ✓ |
| Hour Qualification | ✓ | ✘ | ✓ |
| Required CE hours | ✓ | ✘ | ✓ |
| Rental Damage Coverage ? | ✓ | ✓ | ✓ |
| Stolen Equipment | ✘ | ✘ | ✓ |
| Identity Protection Plan | ✘ | ✘ | ✓ |
| Annual Fee | $249 | $304 | $169 |
| Get Covered | |||
Benefits of Having Kinesiology Insurance
Kinesiology insurance should be one of the very first investments a newly licensed wellness professional makes in their business. What is seemingly simple slip-and-fall claim can cost a Kinesiologist their practice and reputation. MMIP comes alongside you and your business to provide peace of mind and financial security in uncertain times. Additional benefits we’ve included in our Kinesiologist insurance coverage come from years in the business and listening to our customers to include such added safeguards as Identity Theft Protection, Rental Damage, Equipment Coverage, a Free Professional Website, and Unlimited Continuing Education (CE) courses. Our desire is to help you and your business succeed. When a liability incident occurs, your liability coverage with MMIP helps shoulder the burden so that you can focus on continuing to bring this incredibly beneficial treatment to patients who need it the most.
Ways You Can Avoid Claims
These are some basic steps you can take as a kinesiologist to reduce the chance a claim is filed against you:
- Providing Adequate Security: All businesses have a legal obligation to maintain a safe and accessible premises for their patrons, not doing so is a legal premise called inadequate security. Simple things like installing locks, security lights, and other safeguards helps diminish premises liability for business owners.
- Avoiding Professional Liability claims: Being mindful of your patients’ needs, medical background, and other factors affecting their overall health helps practitioners avoid claims against the services the patient received. Perhaps an elderly patient was stretched too far or a patient overexerted themselves and feinted, simple missteps can be construed as negligence for providers. Openly communicating with patients before, during, and after treatment can help avoid potential issues.
- Avoiding General Liability claims: often referred to as “slip and fall,” as the name implies, this can occur when a patient injures themselves in, or around, the business. This can come in the form of things like a less mobile patient who trips over an unsecured extension cord or a patient who rolls an ankle on entrance steps that were iced over. You need to exercise reasonable prudence to ensure that people who enter your property won’t be injured.
Please note, this is in no way an exhaustive list and practitioners should consult with an MMIP professional to ensure they have adequate coverage in place in the event of a claim. While performing simple steps like these helps reduce the risk of a claim, they can’t eliminate them altogether. For whichever energy modality you practice, having a form of energy work insurance is vital to protecting your practice when the unthinkable happens. Even masters of kinesiology, exercising the utmost care and attention to patients, can find themselves facing a potential claim at some point in their careers. Our affordable plans give you peace of mind while you help patients find their own peace through Kinesiology massage treatments. We’ll help walk you through the whole process—contact us now.
Kinesiology Insurance Frequently Asked Questions
Kinesiology insurance is meant to actively protect practitioners against a variety of dangers that they would encounter on a daily basis in the industry. General liability, professional liability, and product liability coverage are the three main categories of coverage included in our kinesiology insurance plan.
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 procedure.
Massage Magazine Insurance Plus is one of the few kinesiology insurance providers that includes 55+ NCBTMB-approved continuing education courses. These courses are meant to be both instructive and engaging, allowing you to retain more information. Our CE courses for kinesiology massage are self-paced that include insights from industry experts, so you can keep current while still meeting the requirements set by your state board.
Some states do not require a license to practice kinesiology, but each region is different, so understanding the regulations of your state's board. Keeping that in mind , we can't insure anything that is illegal, so if your state requires a license, you'll have to obtain that in order to be covered through MMIP.
You may file claims after your kinesiology liability coverage expires when you have coverage through MMIP. Some insurance providers offer claims-made policies, but MMIP provides it's members with the industry-standard occurrence form. With a Claims-made policy you must file a claim while the insurance is still active, and will not be covered if a claim is filed beyond that date.
Occurrence form coverage provides a more realistic approach and states that a claim on your behalf may be filed even after the policy expires as long as incident occurred while you policy was active. Understanding the distinction of what the types of coverage mean can be the difference between full coverage and no coverage at all.
Additional insureds can definitely be added to a Kinesiology liability policy with MMIP. There are many situations where an additional insured is required to best protect you, and we want the process of adding as many additional insureds as required to be as simple as possible . For example, landlords who don't want to be held liable for something stemming from their tenants' actions may necessitate being added as an additional insured.
Accidents involving slips and falls are sadly all too common and can happen to anyone who operates an in-person business. This sort of injury and subsequent claim occurrence is so widespread, that it has it's own type of coverage called general liability coverage or "slip and fall insurance." If a client is harmed or their property is damaged while they are seeing you for services, they may elect to sue you for reparation. You'd have up to $2 million in coverage with MMIP's kinesiology insurance to cover both the general liability claim and any legal defense expenditures, if necessary.
While some Kinesiology insurance policies do demand a particular number of hours of training or CE's, Massage Magazine Insurance Plus does not. We want our coverage to be available to wellness professionals, regardless of the stage of their career.
For a low annual rate of about $169, kinesiologists can acquire our all-encompassing insurance policy built specifically for their industry. If you're a student, you may want to look into our student insurance policy at a discounted rate. This professional-caliber policy is one of the greatest values on the market today, costing only $25 for a whole year of coverage.
Waiting until soon before graduation to activate your student insurance policy is a good option. That way, you'll be insured for the most of your first year on the job, have terrific insurance options, and great benefits - all for under $2 per month.
This is a common question we encounter, especially from first-time practitioners who are debating whether or not to pay for liability insurance or just take their chances. Our Kinesiology insurance policy was created specifically for kinesiology practitioners who desire the peace of mind that comes with having a strong plan in place to protect their practice in the therapy they love. Each policyholder receives millions of dollars in insurance coverage kinds, additional protection mechanisms built-in, and a whole suite of great member perks that are accessible to utilize right away for just $169 per year, or roughly $13 per month.
When compared to the expense of a lawsuit, which could include medical bills, rehabilitation costs, missed earnings, legal fees, and more, the coverage and peace of mind provided by Kinesiology insurance is a fantastic deal.
Even within a specific profession like Kinesiology, we know there are a variety of approaches that can be used to benefit your client. Some plans, cover a restricted set of core services and then charge extra or don't cover anything else. That's why MMIP developed a program that covers not only the many different types of kinesiology, but also hundreds of other massage, health, and wellness treatments. Acupressure, shiatsu, medical qigong, reflexology, and other therapies are all covered by a single policy.
Employees in massage spas are normally covered by insurance, however it's usually a small amount of coverage with pooled annual aggregates. This implies that before you get an opportunity to use the coverage, it may be drained by other members of the group. Having your own reiki insurance coverage is the way to go if you want the piece of mind that you're covered no matter what, and it's only $169 per year.
While Kinesiology is the discipline of alleviating tension in the body to promote normal function, but you might be wondering why insurance is even required. Liabilities exist for wellness professionals, and even experienced kinesiology practitioners may face a claim at some point during their work. Accidents can take many different shapes and are frequently random occurrences.
When a client slips on a stray rug and falls in the wrong place, the consequences might be disastrous. Medical bills, lost wages, rehabilitation expenditures, and even legal fees must be paid out of pocket, which can devastate personal finances and threaten a career. That's why having the protection and security of a great insurance plan is a no-brainer if you want to stay in the profession for a long time.
Members get access to a full suite of benefits worth over 1,500 dollars in addition to a variety of extra protections above and beyond liability coverage, such as identity protection, rental damage coverage, and more. Take advantage of 50 hours of NCBTMB-approved continuing education courses, a free, customizable website, and unique discounts from leading massage product and business service providers.
