Michigan Massage Insurance
Michigan Massage Therapist Liability Insurance Guidelines
If you're a massage therapist in Michigan, having liability insurance is a crucial aspect of safeguarding your career and your finances. For even the most experienced massage therapists, unforeseen incidents can occur, and it only takes one lawsuit to drastically ruin the career you worked so hard for. This is why having the right coverage matters.
Even though it's not mandated by law for massage therapists in Michigan to have massage liability insurance, it's strongly recommended no matter who you are or where you work. Having this insurance enhances the safety and credibility of your career.
For more detailed information, check out our Michigan State Requirements for Massage Therapists page.
How Much Does Massage Liability Insurance Cost in Michigan?
1 year full-time Professional Rate
$
169
/1yr
Cost to you: $0.46/day
2 year full-time
professional rate
$
299
/2yr
Cost to you: $0.41/day
1 year part-time
professional rate
$
159
/1yr
Cost to you: $0.43/day
Exclusive perks and benefits included in every policy
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, and beauty modalities like yoga therapy, Pilates, hot stone, reiki, fire cupping, sound healing and more. See all here.
Coverage That Follows You
You are covered wherever you practice in all 50 states, whether it's at your client's home, your office, their office, outdoors, or even online.
Free Continuing Education Courses
Included with your policy is access to 60 hours of FREE NCBTMB-approved online continuing education courses from Panda Massage CEU.
Insurance Marketplace
Get access to affordable health, vision, and dental insurance coverage. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365—with only a $10 copay.
Professional Liability Insurance Limits
Full-time, part-time, or a student, all insurance members enjoy the same great coverage limits. Our massage insurance program prices are based on how you will use the coverage and decide to pay.
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.
See What MMIP Insurance Members Are Saying
Who Is Massage Magazine Insurance Plus?
With a rich history of 38 years in the industry, MASSAGE Magazine created Massage Magazine Insurance Plus as a comprehensive national liability insurance policy for professionals in the fields of health, wellness, and beauty.
Now supported by Arthur J. Gallagher & Co., our members can benefit from enhanced insurance coverage that is both reliable and backed by esteemed partners. Despite these advancements, our dedicated team at MASSAGE Magazine, serving the massage and bodywork industry since 1985, continues to operate the program.
REASONS WHY
Over 200,000 Professionals Have Chosen Us
Massage Magazine Insurance Plus is proud to provide the industry-recommend coverage type: occurrence form coverage with aggregate limits.
This combined with millions in annual coverage and superior customer service are just some of the top reasons why so many professionals choose MMIP.
We offer occurrence form coverage
Our policy has "occurrence form coverage" which is the industry-preferred coverage type because you are guaranteed to be protected against claims that occurred while your policy was in effect, even if the claim arises after your policy has expired.
Other insurance companies offer "claims made coverage", which means your policy has to be active when a claim is made in order to be protected. If your policy lapses, they will not cover you.
We cover over 500 disciplines and modalities
Our policy was designed to cover dual-practitioners in the beauty & bodywork industry for no additional cost.
However, there are some techniques and modalities that our policy does not cover, you can see the full list here.
