Massage Magazine Insurance Plus

Rated #1 Massage Insurance | Massage Therapy Insurance

Massage Magazine Insurance Plus vs. Alternative Balance Insurance

Massage Magazine Insurance Plus (MMIP) and Alternative Balance Insurance both cater to massage therapists, bodyworkers, and wellness professionals. Choosing the right insurance is critical for safeguarding your practice. This comparison reviews the options, prices, and benefits of these providers. It highlights their main differences. Helping you decide what's best for you.

Industry Reputation and Recognition

Both Massage Magazine Insurance Plus (MMIP) and Alternative Balance Insurance are respected names in the wellness industry. MMIP, backed by Massage Magazine, is well-regarded in the massage therapy community. It provides extensive support and resources to its policyholders. Alternative Balance is known for its broad coverage but is also one of the most expensive out there. It appeals to those wanting flexibility across multiple modalities. However, some users report a lack of specialized resources and support compared to MMIP. MMIP is a top choice for pros wanting wide coverage and industry respect.

Pricing & Value for Money

Massage Magazine Insurance Plus (MMIP)

  • Standard Pricing:  MMIP offers massage liability insurance starting at just $169 per year. This competitive rate includes general liability insurance, professional liability, personal injury & advertising coverage, and an identity protection plan valued at $25,000. It’s an unbeatable package that’s tough to find elsewhere among massage liability insurance companies.
  • Occurrence Form Coverage: MMIP’s occurrence form coverage is a game-changer—it covers claims even after the policy period ends, as long as the incident occurred while the policy was active. This contrasts sharply with claims-made policies, offering you peace of mind for the long term.
  • Additional Benefits: MMIP doesn’t stop at insurance. Members gain access to free continuing education courses, discounts on products and services, and robust legal defense support—features that boost your professional journey.

Alternative Balance Insurance:

  • Standard Pricing: Alternative Balance's basic annual policy starts at $269. It covers general and professional liability, business personal property, and business interruption. This pricing is competitive. However, for coverage like additional insurance, the cost can increase for specific needs.
  • Claims-Made Coverage: Alternative Balance uses a claims-made policy only covering claims filed while the policy is active. This can leave gaps if a claim is made after the policy expires.
  • Membership Perks: Alternative Balance offers its members business tools, marketing templates, webinars, and discounts.

MMIP Insurance Cost

Instance 1
1 Year full-time
Professional Rate

Our most popular policy option, built for the full-time professional.

$

169

/1yr

BUY POLICY
2 Year
professional rate

Our most affordable option, costing you as low as $0.41/day.

$

299

/2yr

BUY POLICY
1 Year part-time
professional rate

For professionals who work less than 10 hands-on hours per week.

$

159

/1yr

BUY POLICY

Coverage Options & Flexibility

Massage Magazine Insurance Plus (MMIP)

  • Extensive Modalities Covered: MMIP covers an impressive 500+ massage and bodywork modalities, including specialized services like deep tissue massage, cupping, microblading, and electrolysis. Whether you’re exploring new techniques or expanding your offerings, MMIP keeps pace without the need for costly add-ons.

  • Policy Flexibility: MMIP understands that every massage therapist’s needs are different. Offering 1-year and 2-year policy options and flexible choices for part-time or full-time work, MMIP is one of the few massage insurance providers that doesn’t box you into one-size-fits-all solutions.

Alternative Balance (AB):

  • Modalities Covered: Alternative Balance also covers many modalities, including and even niche services like permanent makeup and pet grooming. This broad range offers great protection under a single policy. But, some premium services, like aerial yoga or advanced sports coaching, may require extra fees.
  • Policy Flexibility: Alternative Balance covers multiple modalities in one policy. It caters to diverse professional needs, however, for high-risk tests, extra costs may apply. The policy is adaptable for workers in different trades, however, some activities or locations may require verification.

Member Benefits and Additional Perks

Massage Magazine Insurance Plus (MMIP)

  • Identity Protection Plan: MMIP’s inclusion of a $25,000 identity protection plan sets it apart from many other massage insurance companies. In today’s digital world, safeguarding your identity is as important as protecting your business.
  • Free Continuing Education Courses: MMIP members gain access to a variety of online CE courses, helping you stay on top of industry trends, meet license renewal requirements, and enhance your skill set—all without paying extra.

  • Instant Coverage: Time is money, and MMIP understands that. They offer instant coverage upon checkout, allowing you to start practicing immediately. This fast activation is a crucial advantage, especially for new or renewing massage professionals.

Alternative Balance Insurance:

  • Support Services: Alternative Balance offers basic support, including online resources and help during business hours. However, the support is less specialized as there is less focus on understanding the unique needs of wellness professionals. Some users report variability in the quality of support provided.

  • Member Benefits: Alternative Balance includes a range of business tools and resources as part of its membership. Members can access marketing tools, business templates, and social and billing resources. They can access member webinars and discounts with partner companies. However, these benefits may not be as good as those from MMIP. They may not focus on continuing education and professional development as much.

MMIP Liability Insurance Limits

1 Additional Insured: $10 | Unlimited Additional Insureds: $30

Some massage insurance policies will offer different coverage limits based on your career status. This would mean that if you are a part-time massage therapist or in school to become one, you may have less coverage than a full-time one.

We don’t believe in offering different coverage limits which is why all of our policies have the same limits. Full-time, part-time, or student, all massage therapy insurance members enjoy the same great coverage. Our massage insurance program prices are based on where you are in your career.

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.

This coverage can help protect you if you’re accused of libel, slander, or false advertising.

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.

Additional Costs and Hidden Fees

Massage Magazine Insurance Plus (MMIP)

MMIP prides itself on transparency with its pricing and benefits. However, here are some costs to be aware of:

  • Additional Insured: MMIP allows you to add additional insureds for $10 each—this is often necessary if you work in rented spaces or collaborate with other businesses. MMIP also offers an unlimited additional insured package for the low price of $30. This fee is straightforward and lower than many competitors.

Alternative Balance Insurance:

  • Add-On Costs: Alternative Balance covers many modalities under one policy. But, adding some high-risk services, like aerial yoga or advanced coaching, requires extra fees. Also, adding an additional insured to your policy costs $15 each. It could raise costs, depending on your business needs.

Claims Handling and Customer Support

Massage Magazine Insurance Plus (MMIP)

  • Quick Claims Resolution: MMIP is praised for its fast and efficient claims process, with most claims resolved within 2-3 weeks. Their dedicated support team specializes in the unique needs of massage therapists, offering personalized service that makes a difference when it matters most.

  • Specialized Customer Service: MMIP’s customer service is specifically trained for massage and bodywork professionals, going beyond general inquiries to provide tailored advice that helps you make the most of your insurance policy.


Alternative Balance (AB):

  • Claims Handling: Customer reviews are mixed. Some users are satisfied. Others report issues with claim resolutions and slow response times. Support quality can vary depending on the issue.

  • Processing Times: Feedback indicates claims may take longer than expected, especially during busy times.

Pros and Cons Summary

Massage Magazine Insurance Plus (MMIP) Pros:

  • Comprehensive coverage for over 500 modalities, including niche and high-risk services.
  • Occurrence form policy offers protection even after the policy ends.
  • Instant coverage, free CE courses, and a $25,000 identity protection plan are included.
  • Affordable pricing compared to other massage liability insurance companies.

Alternative Balance Insurance Pros:

  • Broad Coverage Options: Covers over 800 modalities, offering flexibility for multi-disciplinary professionals.
  • Basic Member Benefits: Access to business tools, templates, webinars, and discounts with partners. This adds value beyond insurance.

Massage Magazine Insurance Plus (MMIP) Cons:

  • Coverage is limited to the United States.

Alternative Balance Insurance Cons:

  • Claims-Made Policy: It only covers claims made while the policy is active. This may leave gaps in protection if a claim arises after the policy expires.

  • Additional Costs: Extra fees for adding insureds and for specialized coverage can quickly raise costs, making it less affordable.

  • Expensive Base Pricing: Budget-friendly prices attract cost-conscious pros, especially those with multi-service policies.


  • Support Limitations: Customer support is less specialized for wellness pros. The resources provided are too general. They lack training and professional development.


Final Verdict

Alternative Balance Insurance positions itself as a flexible for multi-disciplinary professionals. However, some high-risk modalities have added costs. The claims-made policy and fees for adding additional insureds can complicate coverage. This can make it less cost-effective for those seeking strong protection. It may suit those wanting broad but basic coverage. However, it lacks specialized support and long-term protection. So, it's less reliable for professionals who need lasting, comprehensive coverage.

On the other hand, MMIP offers better long-term coverage, occurrence form coverage, and valuable benefits. MMIP offers many member benefits, like free education and discounts. So, it is of better value for professionals who are serious about protecting their practice.

When it comes to safeguarding your livelihood, you deserve a provider that offers more than just a policy. With MMIP, you get comprehensive coverage, a supportive network, and the peace of mind that you’re protected both now and in the future.

MMIP offers you more than insurance. You get great coverage, perks, and a supportive community. Don't settle for less when your practice deserves the best. Learn how Massage Magazine Insurance Plus can protect your business. It offers unmatched benefits and long-term peace of mind. Contact us now to get started with Massage Magazine Insurance Plus and elevate your protection today!

If you have further questions about the coverage and policies provided by MMIP, check out our thorough list of FAQs.

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The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.

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