Comprehensive Massage Therapists Insurance Coverage

Your coverage with MMIP goes into effect immediately upon completing the application. You will receive your certificate of insurance via email within minutes. There is no need to request a quote; coverage starts immediately!

Your MASSAGE Magazine Insurance Plus policy covers all 50 United States, excluding US territories like Puerto Rico and countries outside the United States like Canada.

*For customers in the state of Indiana, professional liability limits are increased to $2 million per occurrence and $6 million individual annual aggregate for massage therapy services only; General liability limits are increased to $2 million per occurrence and $8 million individual annual aggregate for massage therapy services only.

Your MMIP policy does not cover invasive practices such as acupuncture, colonic educators, or herbal counseling. It also excludes the use of T-bars, charges of sexual harassment, or the transmission of HIV or an STD. See a full list of exclusions here.

This policy is a personal liability insurance; hence, it must be in the practitioner's name. However, as a sole proprietor, your business name is also covered. If you have a corporation or partnership, your business may be added as an additional insured.

Yes, as long as the modality that you teach is covered under our policy, the teaching of that modality is also covered.

No, there is no limit on class size or the number of hours you teach.

You can easily add insurance to your policy at any time. Click here to request an additional insured.

MMIP offers an individual massage therapist insurance program, and each licensed practitioner is responsible for their policy.

Additional insureds are typically an employer, landlord, or an event organizer. When you add an additional insured to your policy, you are extending your coverage to this named entity if a claim were to arise against you that would also affect the additional insured.

There is a nominal fee to add your employer as an additional insured. The fee and process can vary, so it's advisable to contact our customer service for accurate information.

Policy coverage for instructors can vary. It's important to review your policy documentation or contact our customer service to understand if teaching or instructional activities are covered under your insurance policy.

No, a single MMIP policy covers more than 450 modalities. You do not need to purchase additional policies or add-ons for additional modalities.

Your career is covered as long as the modality is not an excluded method and you comply with your state and license regulations. If you have any questions on this, feel free to contact our customer support team.

Medical expenses are included in your liability coverage as part of your policy limits of $2 million per occurrence and $3 million individual annual aggregate.

Call MMIP at 1-888-532-0322 to report the event as soon as possible to place a claim. We will immediately mail you a claim form.

Your confirmation of coverage is your proof of liability coverage with MMIP. If misplaced, call us, and we will email you a copy, free of charge. It's advised to keep this document in a secure place with other important documents.

As you are instantly enrolled into the MMIP system, and your certificate is emailed to you immediately, there will be no refunds from our policy.