A Guide on the Best Massage Insurance for Professionals
Our Massage Therapist Insurance Cost
1 Year full-time
Professional Rate
Our most popular policy option, built for the full-time professional.
$
169
/1yr
2 Year
professional rate
Our most affordable option, costing you as low as $0.41/day.
$
299
/2yr
1 Year part-time
professional rate
For professionals who work less than 10 hands-on hours per week.
$
159
/1yr
Why Do Massage Therapists Need Liability Insurance?
All professional massage therapists should have their own liability insurance coverage, whether your state requires it or not. Even the most experienced massage therapists can face the unexpected, like a client having an allergic reaction to a product used during a session or your massage table breaking causing them to fall and sustain injuries.
Having the proper coverage in place could make the difference between facing bankruptcy or being completely protected in the case of a lawsuit. If a lawsuit is brought against you, your massage liability insurance from Massage Magazine Insurance Plus will pay for the costs associated with it.
General Liability vs. Professional Liability
A policy with Massage Magazine Insurance Plus includes both professional liability insurance and general liability insurance—but what does that mean and what is the difference?
General Liability Insurance
General liability insurance is a type of coverage that protects you from accidents that occurred on your premises that were outside of your control such as a client tripping over something in your treatment room and hurting themselves.
Our plan provides you with up to $2 million per occurrence and up to $3 million per year.
Professional Liability Insurance (E&O)
Professional liability insurance is a type of coverage that protects you against malpractice claims that relate directly from your services, such as if a client is burned from your hot stones.
If a client sues you under a professional liability or malpractice claim, MMIP will cover up to $2 million per claim with an annual aggregate of $3 million.
Common Claims for Massage Therapists & How To Avoid Them
Understanding the most common claims in massage therapy and implementing proactive measures to avoid them is crucial for maintaining a thriving practice.
The most common claims massage therapists face:
While having reliable and trustworthy insurance plan is essential, it's equally important for therapists to adopt additional measures to minimize or prevent potential claims.
These measures include:
Read more about these important tips for preventing potential issues in your practice.
Our 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.
Glossary of Insurance Terms
Here, you'll find explanations for key terms vital in understanding the insurance side of your business, guaranteeing that you have the right protection for your practice.
Additional Insured: A person or entity added to an insurance policy to receive coverage for certain activities or relationships.
Aggregate: The maximum amount an insurance policy will pay during a period, like a policy year.
Certificate of Insurance (COI): A document evidencing the existence of an insurance policy, showing coverage types and limits.
Claims-Made Policy: Insurance providing coverage for claims made and reported during the policy period.
Commercial General Liability (CGL): Insurance covering a business for bodily injury, personal injury, and property damage caused by the business’s operations or products.
Cyber Liability Insurance: Coverage for costs associated with recovery after a cyber-related security breach or event.
Deductible: The amount the insured pays before the insurance company's coverage begins.
Endorsement: A written change to an insurance policy, altering its coverage, terms, or conditions.
Errors & Omissions (E&O): Professional liability insurance covering claims of inadequate work or negligent actions.
Exclusion: Specific conditions or circumstances not covered by an insurance policy.
General Liability Insurance: Coverage for bodily injuries and property damage to third parties due to the insured's products, services, or operations.
Individual Aggregate Limit: The maximum total payout by an insurer for all covered losses in a specified period.
Inland Marine Coverage: Insurance for property not fixed at a specific location, like goods, tools, and equipment.
Legal Defense Coverage: Coverage for legal defense costs, separate from policy limits.
Occurrence-Form Coverage: Protection against late-filed claims, covering incidents during the policy term.
Professional Liability Coverage: Protects against malpractice or negligence claims in providing professional services.
What Our Members Say
Who Is Massage Magazine Insurance Plus?
MASSAGE Magazine developed Massage Magazine Insurance Plus to provide a comprehensive liability insurance policy covering dual health and wellness practitioners across all 50 states.
Now backed by Arthur J. Gallagher & Co., we are able to provide our members with all-inclusive insurance coverage that's more dependable than ever but is still operated by the same team that has been serving the massage and bodywork industry since 1985.
FAQs
Professional liability insurance is instrumental in protecting massage therapists from any lawsuits filed by a client based on negligence, error, or physical injury. Sometimes referred to as malpractice insurance, it protects the insured from bearing the full costs of a lawsuit or claim made by another party. In a few states, licensed practitioners are required by law to get professional liability insurance.
Massage Magazine Insurance Plus offers general liability insurance, professional liability insurance, and product liability insurance.
The difference lies in the covered incident's timing and the claim's timing. Occurrence Form policies provide coverage if the policy was active when the incident occurred, while Claims-Made policies provide coverage if your policy is active when a claim is made. This means that with Occurrence Form coverage, you are still protected from accidents that occurred during your policy period, even if the claim is made years later. With a Claims-Made policy, however, your ability to file claims expires when your coverage expires.
All three major insurance providers—AMTA, ABMP, and Massage Magazine Insurance Plus—offer Occurrence Form coverage as a part of their massage therapy liability insurance. Each provider offers professional liability insurance and general liability coverage of up to $2 million per occurrence with annual aggregates.
Massage Magazine Insurance Plus offers honest, dependable, and affordable professional massage liability insurance for $169 per year for full-time pros and $159 for part-time professionals. Part-time massage professionals include those who work hands-on with their clients for fewer than 10 hours per week.
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 MassageMagazine 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.
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.
MMIP offers an individual massage therapist insurance program, and each licensed practitioner is responsible for their policy.
An additional insured is a person or entity other than the primary insured protected under the insurance policy. Adding insured extends the policy's coverage to include claims arising from the additional insured's operations or premises.
You can easily add insurance to your policy at any time. Call MMIP at (888) 532-0322 to request an additional insured.
No, a single MMIP policy covers more than 500 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.
Filing a claim is easy! Contact our Operations Team at sarasota.bsd.operations@ajg.com to get started. They’ll verify your coverage and ask you to complete a Claim Summary Form. Depending on the situation, they may also request additional documentation. We’ll guide you through the next steps.
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. You may also log into your member portal here to access your coverage documentation.
Yes, we offer monthly payment options via PayPal’s Pay Monthly credit program. While this is convenient, we advise paying in full upfront to avoid credit checks. PayPal will divide your total policy cost and a small service fee into monthly installments. Be aware that a credit check is required, and there’s no interest if paid off within six months. After six months, interest may apply.
Yes, you are covered for services at both locations. Our policy protects you whether you’re working in your office or at a client’s home. As long as you're following local or state laws, your coverage applies across all 50 states.
Yes! You can buy a policy now and choose a start date within the next three months. For instance, if you purchase on February 1 but want coverage to begin on March 23, simply choose March 23 as your start date during checkout.
The difference is based on the number of hours you work with clients each week. If you work 10 or fewer hours, a part-time policy is right for you. If you work more than 10 hours weekly, you'll need a full-time policy. Business tasks like marketing and admin work don't count toward these hours, and both policies offer the same coverage limits.
