Maryland Massage Therapy Insurance
Massage Liability Insurance Cost in Maryland
1 year full-time Professional Rate
Built for the full-time massage therapist or energy healer.
Cost to you: $0.46/day
2 year full-time
Save $24 and lock-in a $145 per year rate with our 2-year policy option.
Cost to you: $0.39/day
1 year part-time
Built for massage therapists who work fewer than 10 hours per week.
Cost to you: $0.41/day
Maryland Massage Liability Insurance Guidelines
Typically, medical malpractice insurance is reserved for doctors practicing advanced and intensive surgeries that are prone to mistakes. However, an ever-increasing number of trained medical doctors are purchasing liability insurance to protect themselves from being sued by a patient. Even for an LMT, who does not perform life-or-death surgeries, liability insurance is still a requirement.
Insurance for massage practitioners in Maryland is available through a variety of private companies at a very affordable price. Despite the low risk of being sued as a bodyworker, it is better to be safe than sorry by spending a nominal amount per month on insurance. Even if the insurance proves unnecessary, your patients will be more at ease and comfortable knowing that you are licensed, insured and registered to practice massage in Maryland. Furthermore, the state of Maryland requires that all therapists have liability coverage., so it is not an option for LMTs.
Massage therapy is the manipulation and movement of the tissues and joints of a patient’s body by hand. Consequently, because the therapist’s hands are constantly moving and touching the body, damage to the person’s circulation, joints, tissues and muscles can occur. Fortunately, massage practitioner insurance provides malpractice coverage for therapists working in a variety of massage practices including sports, hot stone, deep tissue, Swedish, medical, therapeutic pregnancy, and many more.
Just like people can select from a variety of automobile and homeowners insurance policies, so too can therapists select from a multitude of insurance companies with various coverage levels. From slip and fall incidents to problems on the table, most touch therapist insurance policies include coverage for each occurrence, per aggregate, for commercial liability and product liability. The exact coverage is dependent on the insuring company and the plan selected.
An individual in Maryland hoping to become a masseuse has two options: Licensed Massage Therapist or Registered Massage Practitioner. Both positions require a total of 500 classroom hours at an approved massage training school; however, a CMT must also have 60 hours of college courses. The additional educational requirement allows a CMT to perform massage treatments in nursing homes, walk-in clinics, doctors’ offices and hospitals. An individual who becomes an RMT is only allowed to practice at a private business, gym/health club, or spa.
Both CMTs and RMTs are required to pass one of three national exams to become licensed in Maryland. Each of three national tests covers a different type of therapeutic massage. The MBELx covers the basic principles of the practice, NCCAOM covers Acupuncture/Oriental medicine & more advanced massage techniques, and the NCETM/TMB test examines all aspects of massage therapy from massage techniques to business ethics.
Once the national test has been passed, LMTs must then pass a Maryland state exam before beginning their career. The 55 multiple-choice question test covers the rules and regulations governing massage professionals in Maryland. The test must be completed in 90 minutes and applicants are required to receive a 75% or higher on their exam to become a certified massage therapist.
Maryland Massage Therapy Resources
State of Maryland massage therapist income as of May, 2019: Annual Mean Wage: $46,030 Source: Forbes.com
Education Requirements: Required Education Hours: 600 + 60 college credit hours. Exam Administered: MBLEx + State Licensure Exam. CEUs Required: 24 hours every 2 years + CPR Certification Source: https://www.massagetherapylicense.org/state/maryland-massage-license.html
Other Requirements: Liability Insurance For one low flat fee, massage therapists can receive the quality, comprehensive coverage they deserve, avoiding the costly impact that a lawsuit can bring. Even the most careful massage therapists can make a mistake, or encounter one of those hard-to-please clients that finds fault in a treatment, even if nothing really went wrong. Application Process: Online Application for immediate approval.
For additional information about massage therapy in [STATE NAME], follow these links: State massage association: Maryland Board of Massage Therapy Examiners State employment stats: https://www.bls.gov/oes/current/oes_md.htm
Compare Maryland’s massage therapist employment statistics to other states: https://www.bls.gov/oes/current/oes319011.htm
See What Our Insurance Members Are Saying
The opportunity to be insured by MMIP saved me $1,300 per year and helped make it possible to run my own Wellness Center with no liability concerns. I am so grateful to have this insurance option! My stress over insurance expense and coverage is completely gone. Thank you MMIP!
I love Massage Magazine Insurance Plus member because they are an expert leader in the industry of Health and Wellness. Their insurance supports all parts of my business from massage to yoga to Reiki energy balancing and even waxing!
Massage Magazine Insurance Plus gives me a very broad range of coverage for a great price. Plus MMIP's customer service team have an amazing customer service attitude. I feel totally protected in this in this new massage environment.
I was very happy when I discovered Massage Magazine Insurance and found out that I no longer need to buy separate insurance for the yoga classes I teach. Now I am covered for my yoga classes and CranioSacral therapy classes all at one low price!
3 REASONS WHY
Over 100,000 Professionals Have Chosen Us
Massage Magazine Insurance Plus is proud to provide the industry-recommend coverage type: occurrence form coverage with individual aggregate limits.
This combined with over 8 million in annual coverage and superior customer service are just some of the top reasons why so many professionals choose MMIP.
1: We offer occurrence form coverage
Occurrence form is the industry-preferred policy type over claims-made because you are covered for any incident that occurred while your policy was in effect, even if the claim were to arise after your policy expired. We offer the occurrence form policy so that our customers can rest easy knowing they're protected even if their clients delay making a claim.
2: We offer individual aggregate limits
We offer individual limits, meaning your policy will protect you up to the amount listed on your policy. Every insured person will have their own coverage, and the claims that others make will not affect the individual coverage amount available. This is unlike shared limits where when the group shared limit is reached for the policy year, anyone who files a claim afterwards will not be covered under their individual limits.
We cover over 450 disciplines and modalities
Our massage liability insurance includes coverage for multi-discipline practitioners at no additional cost. While we work hard to ensure you're covered for everything you practice, there are some excluded methods that our policy does not cover.
However, there are some techniques and modalities that our policy does not cover, you can see the full list here.
Learn About Renewals in Maryland
License renewals are on October 31 of even-numbered years. CE requirements include:
- Mandatory 7 CEUs: 3 Hrs. Ethics or Jurisprudence, 3 Hrs. in Communicable Diseases including HIV/AIDS, 1 Hr. Diversity or Cultural Competency. CPR certification
- Liability insurance is required
$0.41/day represents the daily cost of the annual policy for the part-time professional rate. Daily payments are not available.