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Sports Massage Therapist Insurance
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.
Why Insurance is Vital 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.
- Rental Damage: $100,000. Coverage in Action: a client accidentally damages the space you are renting in some way and the landlord holds you responsible for the damages.
- Stolen Equipment: $1,000 with a $250 deductible. Coverage in Action: you’re walking out of a studio and a thief grabs your fold-up massage table. Your policy would provide $1000 for this incident, less a $250 deductible.
Additional Benefits:
- Identity Protection Plan: $25,000
- $500+ in Member Benefits
- Occurrence Form Coverage
- Student Sports Massage Therapy Policy Available
Bonus Benefits
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.
Alternative | IdeaFit | |||||
| Occurrence-Form Coverage | ✘ | No | ✓ | Yes | ✓ | Yes |
| Professional Liability Insurance (Malpractice) | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $4 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate |
| General Liability Insurance (Trip & Fall) | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $4 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate |
| Products Individual Annual Aggregate | ✓ | $2 Million | ✓ | $2 Million | ✓ | $2 Million |
| Unlimited CE Hours Included | ✘ | No | ✘ | No | ✓ | Yes |
| Hour Qualification | ✘ | 100 hours of Training or 5 Years Experience | ✓ | No Hours Required for Insurance | ✓ | No Hours Required for Insurance |
| Required CE hours | ✘ | Minimum Required by State | ✓ | No Hours Required for Insurance | ✓ | No Hours Required for Insurance |
| Rental Damage Coverage | ✓ | $300,000 General Liability Limits May Apply | ✓ | $100,000 | ✓ | $100,000 |
| Stolen Equipment | ✘ | No | ✘ | No | ✓ | $1,000 *$250 deductible |
| Identity Protection Plan | ✘ | No | ✘ | No | ✓ | Yes |
| Annual Fee | $249/yr Professional $189 first-year Student | $304/yr Professional $244 first-year Student | $159/yr Professional $25 first-year Student | |||
| 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. | Get Covered | |||||
| Alt Balance | IdeaFit | MMIP | |
| Occurence-Form Coverage | ✘ | ✓ | ✓ |
| Professional Liability Insurance (Malpractice)?NAMT has $3Mil/$1 Mil Policy. | ✓ | ✓ | ✓ |
| General Liability Insurance (Trip & Fall) ?NAMT has $3Mil/$1 Mil Policy. | ✓ | ✓ | ✓ |
| Products Individual Annual Aggregate ?NAMT has $3Mil/$1 Mil Policy. | ✓ | ✓ | ✓ |
| Unlimited CE hours Included | ✘ | ✘ | ✓ |
| Hour Qualification | ✓ | ✘ | ✓ |
| Required CE hours | ✓ | ✘ | ✓ |
| Rental Damage Coverage ? | ✓ | ✓ | ✓ |
| Stolen Equipment | ✘ | ✘ | ✓ |
| Identity Protection Plan | ✘ | ✘ | ✓ |
| Annual Fee | $249 | $304 | $159 |
| Get Covered | |||
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 $500 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?”.
What the Pros 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.
Talk Over Your Options with an Insurance Agent
Insurance can seem daunting. With all of the different options, terms, and price points one can easily get confused just trying to figure out if professional sports massage therapy insurance is right for them. Our agents are some of the very best in the field and are ready to walk you through the entire policy so that you feel confident in your decision to partner with us for your insurance needs. We take the trust you place with us seriously so love when we can help you make the best decision for you and your career. Call now to speak with a helpful agent who's ready to answer all your questions.
Insurance, Differently
On our site you may have noticed that we include a handy comparison grid of our coverage highlights compared to our leading competitors. We do this so that our members can see all the different options available to them and make the best decision for them and their career. With almost four decades providing insurance for professionals in the field of health and wellness, we’ve gotten pretty good at what we do. We set our limits based on actual experience, rather than selling members more than they’d ever need and paying for something they’ll never use. We see ourselves as partners in members’ success. That’s why we include not only robust coverage options, but an incredible variety of additional tools, resources, and benefits that are all designed to help bolster your success as a professional. Ready to experience a different kind of insurance for your chosen modality? Get Insured today.
