Massachusetts
Massage Therapy Insurance
How Much Does Massage Insurance Cost in Massachusetts?
1 year full-time Professional Rate
Built for the full-time massage therapist or energy healer.
$
169
/1yr
Cost to you: $0.46/day
2 year full-time
professional rate
Save $24 and lock-in a $145 per year rate with our 2-year policy option.
$
289
/2yr
Cost to you: $0.39/day
1 year part-time
professional rate
Built for massage therapists who work fewer than 10 hours per week.
$
149
/1yr
Cost to you: $0.41/day
Massachusetts Massage Liability Insurance Guidelines
As a massage therapist, being named in a malpractice suit is an unlikely event. However, the best massage practitioners are prepared for this unlikely event by carrying insurance. In an age where the economy remains in turmoil and US citizens seem content to sue when even the smallest thing goes wrong it is important to have the best protection possible. Don’t risk your career as a successful massage practitioner by not defending yourself through the purchase of insurance.
The best insurance for massage and bodywork will provide protection from professional inability, personal injury, general liability and products coverage. Most massage insurance plans in Massachusetts include coverage for at least $1 Million per occurrence and $2 Million aggregate. Hopefully a touch therapist will never require the use of their insurance policy; however, with its affordable price and excellent coverage, it is a no brainer to purchase. Most insurance companies will cover therapists who practice sports massage, baby massage, deep tissue massage, Swedish massage, medical massage and more.
Individuals interested in becoming a massage therapist in Massachusetts must be licensed by the state. In order to obtain a license, a person must be 18+ years old, have a GED/high school diploma, and 650+ hours of massage education from an accredited school. It is also recommended that candidates take a massage exam in the event that they move to another state, as many require them, or in the event that MA law changes. The initial cost of the license is $225, with a renewal fee of $150 annually. Additionally, practicing touch therapists are required to have a minimum of $1 million per occurrence liability insurance and $1 million in aggregate coverage. It is important to note that without insurance, one cannot practice massage therapy in Massachusetts.
Not only is massage therapy insurance an important defense for LMTs against former patients, but it is also a requirement of Massachusetts law. Compared to the cost and potential repercussions of being sued, paying a nominal fee for insurance coverage is a small price to pay.
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Massachusetts Massage Therapy Resources
The following are Massachusetts state resources, including some employment statistics, to help you determine if being a massage therapist is right for you:
Massachusetts massage employment statistics as of May, 2017:
Licensed Therapists: 7,293
Mean Hourly Wage: $22.40
Annual Mean Wage: $46,590
Source: https://www.bls.gov/oes/current/oes_ma.htm
Education Requirements
Required Education Hours: 650 hours
Written or Practical Exam: Written Exam
Exam Administered: MBLEx
CEUs Required: 24 hours every 2 years
Source: https://www.massagetherapylicense.org/state/massachusetts-massage-license.html
Other Requirements: Liability Insurance
The prospective massage therapist will need to take out a liability insurance policy with coverage of at least $1,000,000; this figure is both the aggregate and “per occurrence” minimum.
Required To Have Insurance: YES
Application Process: Online Application
For additional information about massage therapy in Massachusetts, follow these links:
State massage information: Massachusetts Board of Registration of Massage Therapy
State employment stats: https://www.bls.gov/oes/current/oes_ma.htm
Compare Massachusetts 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!
Debbie Merrick
Reiki Practitioner
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!
Delaney Outlaw
Massage Therapist
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.
Gary Rosenthal
Mindbody Therapist
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!
Janet Berryhill
CranioSacral Therapist
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.
We cover over 450 disciplines and modalities in Massachusetts
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.
$0.41/day represents the daily cost of the annual policy for the part-time professional rate. Daily payments are not available.
