Massage Magazine Insurance Plus vs. Hands on Trade Insurance

Massage Magazine Insurance Plus (MMIP) and Hands on Trade Insurance are two options for insurance tailored to massage therapists, bodyworkers, and wellness professionals. We understand that picking the right insurance is important for protecting your practice. That's why we've made a detailed comparison of both providers. We looked at coverage, pricing, benefits, and other factors to help you decide what's best for your needs!

Industry Reputation and Recognition

Both MMIP and Hands on Trade Insurance are established names in the wellness industry. MMIP, backed by Massage Magazine, is well-respected in the massage therapy community and offers support and educational resources.
In contrast, Hands on Trade is praised for its simple pricing and wide coverage across many modalities. However, its limited additional benefits and claims-made policy can be less appealing for professionals seeking comprehensive, long-term protection.
MMIP is ideal for those wanting robust coverage and support whereas Hands on Trade may suffice for those needing basic coverage.

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.

Hands on Trade Insurance:

Standard Pricing: Hands on Trade Insurance provides professional liability coverage at $175 per year. This includes coverage for multiple professions under one price, unlike other providers where additional fees may apply for extra coverage.
Occurrence Form Coverage: Hands On Trade offers occurrence form coverage that covers incidents that happen during the policy period, even if the claim is filed after the policy has expired. .
Renewal Process: Customers must manually renew their policy by logging in with their email and certificate number. If the policy has expired, renewal can only be done by calling their office.

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.

Hands on Trade Insurance:

Modalities Covered: Hands-on Trade Insurance covers many modalities. They include massage, Reiki, aromatherapy, and esthetics but exclude some specialized practices. The website doesn’t show the policy list so you will need to check the coverage details to make sure your services are protected.
Policy Flexibility: Coverage is for full-time, part-time, and student practitioners. The student rate can be upgraded upon graduation. Additional coverages may require extra fees, similar to other providers.

"My appointment was going well when I heard my client slip and fall in the bathroom during my service. She twisted her ankle. I did not realize that I was being held responsible for this. I had to pay for her medical bills and pain and suffering. I was happy to find out that my policy with Massage Magazine Insurance Plus covered it." Shannon

Read our reviews and see for yourself why over 200,000 professionals have chosen Massage Magazine Insurance Plus.

Customer Support & Member Benefits

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.

Hands on Trade Insurance:

Basic Perks: Hands on Trade offers some standard perks but lacks the breadth of benefits seen with other providers. They provide liability coverage but their perks are limited. They lack discounts and extensive resources for business growth.

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)

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.

Hands on Trade Insurance:

Add-On Costs: The basic policy does not include identity protection and cyber liability. You must buy them separately.

How Each Provider Manages Claims

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.

Hands on Trade Insurance:

Claims Handling: Hands on Trade has an online claims process but feedback suggests issues. Some users find it hard to get claims approved, they feel that many claims are denied without good reasons. Some policyholders were dropped after making a claim leading to distrust in the claims process.
Processing Times: Customers complain that, during busy periods, claims take too long. This has caused frustration among some policyholders who feel the process is not as smooth as advertised.

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.

Hands on Trade Insurance:

The $175 annual fee covers a range of professions, which is appealing for multi-disciplinary practitioners.

Covers many modalities, including bodywork, energy work, and esthetics, with fewer exclusions compared to some competitors.

Massage Magazine Insurance Plus (MMIP) Cons:

Coverage is limited to the United States.

Hands on Trade Insurance:

Only covers incidents while the policy is active, which can leave gaps after cancellation.

Fewer additional perks such as discounts and business resources compared to other providers.

Non-refundable policy fees make cancellation costly and inconvenient.

Final Verdict

Hands on Trade Insurance has competitive prices and broad coverage. It's an attractive choice for multi-disciplinary professionals. Its limited benefits may not support those seeking strong, long-term protection. It may suit those wanting simple liability coverage. But, it may not satisfy those wanting extensive resources and perks for business growth.

In contrast, Massage Magazine Insurance Plus (MMIP) offers transparent pricing, occurrence form coverage, and a wide range of included modalities. With its member benefits, like free education and product discounts, MMIP is the better value for professionals 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.

With MMIP, you get comprehensive coverage, extensive perks, and a supportive community that goes beyond insurance. 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.

Massage Magazine Insurance Plus vs. Hands on Trade Insurance

Industry Reputation and Recognition

Pricing & Value for Money

Massage Magazine Insurance Plus (MMIP)

Hands on Trade Insurance:

MMIP Insurance Cost

1 Year full-time

Professional Rate

2 Year

professional rate

1 Year part-time

professional rate

Coverage Options & Flexibility

Massage Magazine Insurance Plus (MMIP)

Hands on Trade Insurance:

Customer Support & Member Benefits

Massage Magazine Insurance Plus (MMIP)

Hands on Trade Insurance:

MMIP Liability Insurance Limits

Additional Costs and Hidden Fees

Massage Magazine Insurance Plus (MMIP)

Hands on Trade Insurance:

How Each Provider Manages Claims

Massage Magazine Insurance Plus (MMIP)

Hands on Trade Insurance:

Pros and Cons Summary

Massage Magazine Insurance Plus (MMIP) Pros:

Hands on Trade Insurance:

Massage Magazine Insurance Plus (MMIP) Cons:

Hands on Trade Insurance:

Final Verdict

What Our Members Say