Sports Massage
Therapy Insurance.
As a sports massage therapist, you've honed your skills to provide relief to athletes and fitness enthusiasts. Your hands work magic, alleviating pain, improving flexibility, and aiding recovery. But, in an industry where precision meets physicality, unforeseen incidents can occur.
For just $0.41 per day, our insurance provides robust coverage tailored specifically for sports massage therapists. With coverage extending to over 450 modalities, you can be confident in your protection, no matter your specialization.
See for yourself why our deep tissue massage liability insurance beats the competition.
Insurance Policies
$169 - 1 Year
Our professional sports massage insurance policy is tailored by years of experience just for massage therapists. We provide perks and benefits other companies don't - like free CEs, coverage for more than 450 modalities and disciplines, and more.
$149 - Part-Time
Work less hours? Pay lower rates. This policy is designed for beauty and bodywork professionals who work fewer than 10 hands-on hours per week but still want high-quality massage insurance coverage.
$289 - 2 Year
Protect yourself with our two-year policy that saves you $49 over the course of your membership. You get all the same perks and benefits as our standard policy and don't have to worry about a lapse in coverage for two years.
Already insured & looking to renew?
What is the practice of Sports Massage Therapy?
Sports massage therapy is meant for athletes at all levels. Different techniques can be geared towards the rigors of the particular sport or training regimen being undertaken by the athlete. For example, a soccer player may require particular attention to their legs as this is the area of the body most used and stressed. A CrossFitⓇ athlete may need more focus on their shoulders from the many repetitive and aggressive overhead movements required. Sports massage therapy is becoming more and more popular with athletes attempting to find more balance within their training regimen. It helps the body be better prepared and recover faster. Typical techniques include:
- Deep tissue massage: using a firm amount of pressure, combined with a really slow stroke speed, in order to hit the deepest layers of muscles and their connective tissues.
- Swedish massage: focus on light, long, and/or kneading strokes combined with light tapping for the benefit of the top layers of muscles.
- Compression massage: applies pressure with the hands to muscles, is held, and then released before moving to a different area and repeating. Helps to promote relaxation, circulation, and faster recovery.
- Cross-Fiber massage: involves using the thumb to move across the grain of muscles and ligaments. This helps in the rehabilitation of a fibrous tissue injuries by encouraging strong and pliable scar tissue. It can also help restore mobility from previous issues.
- Trigger Point/Tender Point massage: trigger points are areas of muscle tightness or soreness that have corresponding effects in other areas of the body. Compression is used on the specific area, with active participation from the client, to help alleviate the pain.
- Lymphatic massage: gentle form of massage using light strokes to help circulate fluids through the lymphatic system. This form of massage is said to help reduce inflammation, remove toxins, and help boost recovery.
Proponents of sport massage therapy, received either before or after an activity, describe greater flexibility, a reduction in fatigue, reduced soreness, greater endurance, the benefit of preventing injuries, and overall relaxation. All of these help prepare an athlete’s body and their mind to perform at their best for a given activity and to be able to regularly repeat the activity. These benefits are derived by specifically targeting the junctions between muscles and tendons. For additional information on sports therapy massage, the Sports Massage Association (SMA) is a professional organization that offers a multitude of information for professionals in the field.
With so many athletes and physical activity participants realizing the enhancement to their training regimen that sports massage therapy brings, the demand for sports massage therapists is incredibly high. For all therapists, it’s important to protect both yourself and your career with a robust sports massage therapist insurance policy for when an unfortunate event occurs.
Our Sports Massage Therapy Insurance Plans Provide Coverage Under the Following Areas:
General Liability Insurance: This is also known as “slip and fall” insurance because that’s a common type of accident that can cause a claim. When you open your doors and start receiving clients, you’re also opening yourself up to general liability. Coverage here applies to injuries or property damage to third-party individuals in and around your place of business. A client tripping over a loose front door mat and injuring themselves is an example of an event that would fall under this coverage type.
Professional Liability Insurance: Also called “malpractice coverage” this protection is for the actual services you provide during a session. If a client reports an injury or somehow has their property damaged during treatment, they may seek legal action to get compensation. These types of claims would fall under professional liability.
Product Liability Insurance: To provide a great session for your clients, you’ll likely use a number of different instruments and tools. When equipment malfunctions, or a client has a bad reaction to something in one of the products you used, they may require medical attention. Afterwards, the client may demand you pay for all their costs since it was your product that caused their injury. Claims like this would fall under product liability coverage.
Identity Protection Plan: Today’s sports massage therapists are exposed more than ever to the threat of a cyber incident stealing their personal data. If this occurs, our members get all the way up to $25,000 in identity restoration services.
Personal Injury & Advertising Coverage: This coverage can provide financial assistance to massage therapists if they become legally obligated to pay damages that arise from claims related to false advertising, libel or slander or copyright infringement. For example, if a MT's marketing materials inadvertently included false statements that damage another person's reputation, this coverage can help with legal and financial fallouts.
Full Suite Protection: It’s the full suite of protections offered in our plans that provides the best level of security possible from all the types of risks facing today’s sports massage therapists. We’ve designed our plans to be an effective safeguard so that our members can focus on providing great treatments to clients, rather than what their insurance covers.
Occurrence Form Coverage Explained
Many insurance companies use what’s known as a claims-made policy while we ascribe to an occurrence form policy. So what’s the big deal? With a claims-made policy, any claim that’s filed after a policy has expired will not be covered unless the policyholder specifically purchased an additional period of coverage known as a “tail”. We wanted to avoid any angst with our members post-policy so elected to use an occurrence form policy which simply means that if a claim is filed for an event that occurred while the policy was still active, it’s covered, no matter if the policy has long expired.
Additional Membership Benefits
Our members deserve so much more than just robust coverage options in order to enjoy a good value for the investment they’ve made by obtaining sports massage insurance. That’s why we’ve included more than $1800 in exclusive member benefits with our policy.
We’ve partnered with some of the leading names in the industry to provide our members with early access deals and discounts on a variety of products, gear, and events, include a free website so members can launch their brand digitally and take advantage of online traffic searching for sports massage therapists in their area, and also include access to continuing education classes through a partnership with Panda Massage CEUs. Our included business resources help you to be confident in running your practice and in answering questions like, “how much does a sports massage cost so that I can make money?"
Free online continuing education courses
Free online therapy from BetterHelp
Over $1,800 in industry discounts
Access to health, vision, dental, and disability coverage plans
Disciplines and Modalities We Cover
General And Professional Liability Limits
Why is Insurance Important for Sports Massage Therapists?
Accidents Can Happen!
Sports massage requires intense sessions of hands-on therapy to get deep into muscle tissue and ligaments to promote increased oxygen flow, circulation, and healing. Sometimes these sessions are short when a client is suffering from an injury and your therapy is helping them begin their road to recovery. But even within a few minutes, the incredibly mundane can turn financially devastating.
Events happen every day to therapists that put them and their career at risk. A simple slip and fall or a client asserting that your treatment left them injured could easily result in action being taken against you. Even when the claim is completely without merit, legal defense can be incredibly costly. Without sports massage insurance, a therapist could be left covering these costs out-of-pocket.
Sports Massage Insurance Policy Highlights
Our insurance for sports massage therapists combines robust coverage, affordability, great member benefits, and excellent customer service.
- General and Professional Liability: $2 million per occurrence and $3 million annual aggregate. Coverage in Action: a client slips and falls entering your premises or a client asserting your services caused injury or damage and they hold you liable to cover their expenses.
- Products Liability: $2 million per occurrence. Coverage in Action: a product you use gives a client a bad allergic reaction and they demand you pay for their medical bills.
Additional Benefits:
- Identity Protection Plan: $25,000
- $500+ in Member Benefits
- Occurrence Form Coverage
- Student Sports Massage Therapy Policy Available
Bonus Benefits
Hear What Our Massage Insurance Members Have To Say
Companies can tout all the benefits of their offerings all day long but one of the best indications that the service is what you’re expecting is to read customer reviews. However, in a world where fake reviews are running rampant, we’ve opted to utilize TrustPilot - an independent, third-party customer review platform. TrustPilot garners verified customer reviews in an unbiased environment so that you can see exactly what real members say about our services. On TrustPIlot, we’re proud to be rated as “Excellent”, with 4.7 out of 5 stars, and more than 700 reviews from happy professionals that have purchased their policy through us.
I have used Massage Magazine Insurance Plus for years! Excellent, friendly service and easy renewal process, in addition to affordable rates. In my experience, customer service has always been able to easily resolve any questions or issues with a single phone call. Highly recommend!
Anna S.
I've been very happy with Insurance Plus for my liability insurance needs for nearly a decade. Reasonable pricing, easy process for starting and renewing this coverage, and accessible documents. As a Reiki Master who offers other modalities, I have been pleased with Massage Magazine Insurance Plus and feel grateful.
Ericka S.
Although I have never had to make a claim, I have been insured by Insurance Plus since around 1998. I find it meets my commercial needs, extremely affordable compared to other standard insurers available with coverage that gives me a sense of confidence that I am protected. I will continue to be a faithful client.
Helen W.
I'm a Reiki Master Teacher and I've had professional liability insurance with Massage Magazine Insurance Plus for over a decade now. I hope I never have to use, it but I feel secure in having the coverage. It was easy to sign up and anytime I've needed help, the staff is right there to assist. I recommend this insurance to all of my students and colleagues.
Mary R.
Compare Sports Massage Therapy Companies & See Why We're The Best!
MMIP | AMTA | ABMP | Hands on Trade | Beauty & Bodywork | ||||||
| Occurrence-Form Coverage | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✘ | No |
Professional Liability Insurance (Malpractice) | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate | ✘ | $2 Million Per Occurrence $6 Million Annual Aggregate ($10 Million Shared Limit) | ✓ | $2 Million Per Occurrence $6 Million Annual Aggregate | ✓ | $2 Million Per Occurrence | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate |
General Liability Insurance (Trip & Fall) | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate | ✘ | $2 Million Per Occurrence $6 Million Annual Aggregate ($10 Million Shared Limit) | ✓ | $2 Million Per Occurrence $6 Million Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Annual Aggregate |
Products Annual Aggregate | ✓ | $2 Million | ✘ | $6 Million ($10 Million Shared Limit) | ✓ | $6 Million | ✓ | $2 Million | ✓ | $3 Million per year |
CE Hours Included | ✓ | Yes | ✘ | No | ✓ | Yes | ✘ | No | ✘ | No |
Hour Qualification | ✓ | No Hours Required for Insurance | ✘ | 500 hours | ✘ | 500 Hours—Prof. or Certified 100 Hours—Practitioner level | ✘ | No | ✘ | No |
Required CE hours | ✓ | No Hours Required for Insurance | ✘ | 48/4 Years | ✘ | 16/2 Years Certified Level | ✘ | No | ✘ | No |
| Identity Protection Plan | ✓ | Yes | ✘ | Optional—10% Discount on Lifelock | ✘ | No | ✘ | No | ✘ | No |
Annual Fee | $169/yr Professional $40 first-year Student | $235/yr Professional $89 first-year Graduate Rate | $199/yr Professional $229/yr Certified | $169/yr Professional $75/yr Student | $96/yr Professional $67/yr Student | |||||
| Get Covered | NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources, such as www.massage-exam.com. No guarantee or assurance is made by MMIP as to the accuracy or completeness of this information. | |||||||||
| MMIP | AMTA | ABMP | Hands on Trade | Beauty & Bodywork | |
| Occurence-Form Coverage | ✓ | ✓ | ✓ | ✓ | ✘ |
| Professional Liability Insurance (Malpractice) | ✓ | ✓* | ✓ | ✓ | ✓ |
| General Liability Insurance (Trip & Fall) | ✓ | ✓* | ✓ | ✓ | ✓ |
| Products Individual Annual Aggregate | ✓ | ✓* | ✓ | ✓ | ✓ |
| CE hours Included | ✓ | ✘ | ✓ | ✘ | ✘ |
| Hour Qualification | ✓ | ✘ | ✘ | ✘ | ✘ |
| Required CE hours | ✓ | ✘ | ✘ | ✘ | ✘ |
| Rental Damage Coverage | ✓ | ✓* | ✓* | ✘ | ✘ |
| Stolen Equipment | ✓ | ✘ | ✘ | ✘ | ✘ |
| Identity Protection Plan | ✓ | ✘ | ✘ | ✘ | ✘ |
| Annual Fee | $169 | $235 | $199/$229 | $154 | $96 |
| Get Insured | |||||
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources, such as www.massage-exam.com. No guarantee or assurance is made by MMIP as to the accuracy or completeness of this information.
* AMTA has a shared aggregate policy.
