Massage Magazine Insurance Plus vs. AMTA

AMTA is a well-established national membership association known for its vast network of healthcare professionals, including massage therapists. While AMTA’s massage therapy liability insurance provides great coverage with high policy limits, it’s often seen as one of the pricier options on the market, and it comes with strict requirements such as maintaining continuing education (CE) hours to keep your insurance policy active.

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.

Standard Pricing: AMTA’s massage liability insurance starts about $66 higher per year than MMIP, positioning it as one of the more expensive choices. Regarding price, AMTA does not include identity fraud protection or instant coverage, which are critical for today’s fast-paced massage business environment.

Membership Requirements: To maintain AMTA’s liability insurance, massage professionals must keep up with specific CE hours each year. Missing these requirements can lead to coverage gaps, putting your practice at risk. This extra pressure can feel more like a hurdle than a benefit.

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.

Limited Modality Coverage: AMTA’s policy has a narrower scope, excluding some emerging modalities like microblading and not offering options for part-time massage therapists. This can be a dealbreaker if you’re providing specialized services that fall outside their basic policy.

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.

Advocacy and Networking: AMTA’s strong network of advocacy, education, and professional development is commendable, but these perks come tied to ongoing, costly membership requirements. Furthermore, benefits like free CE hours and identity protection are noticeably absent, making MMIP’s offerings stand out even more.

Delayed Coverage Activation: AMTA’s insurance does not provide instant activation, meaning there’s a wait time before your policy kicks in. This delay could leave you vulnerable, especially when transitioning between policies or starting new coverage.

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.

Claims and Support: AMTA’s customer service is reliable, but claims handling can be slower, particularly during peak times or if CE requirements aren’t met, potentially delaying the assistance you need.