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

Your coverage with MMIP goes into effect immediately.

You can see a full list of our policy exclusions here.

You can add an additional insured to your policy at any time by calling (866) 455-5040.

As long as your policy was in effect at the time of the incident, you are covered under our policy. MMIP offers occurrence form coverage, meaning you are still covered for claims filed after your policy expires, as long as the incident in question occurred during your policy term.

Let’s say your policy with MMIP expires on Jan. 31, for example, and you do not renew because you’re no longer in practice. You will still be covered for any claim filed after Jan. 31, as long as the incident happened when you were insured (on or before Jan. 31).

No, you can enjoy unlimited access to all of the NCBTMB-approved courses on offer in the Massage Magazine CE Library. We have teamed up with Panda Massage CEU to provide our insured massage therapists with everything you need to remain competitive in your profession.

You will have access to CEUs that will keep you experienced in all of the latest therapies and state-of-the-art modalities. Access to our full library of CEUs in included free with the purchase of your liability insurance policy.

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.

Massage Magazine Insurance Plus offers coverage for all of the most important liability insurance types needed for massage therapists. Providing peace of mind and protection from covered losses. Our liability policies include:

• General Liability insurance (also known as trip and fall coverage): If a client trips leaving your massage space and sustains an injury you are protected under General Liability.
• Professional Liability insurance (also known as malpractice coverage): A massage client may have a minor back injury that they do not disclose to you. After your services, their injury may be worse and they file a claim. Professional Liability protects you in the event of these types of incidences.
• Personal Injury & Advertising Coverage: This coverage can help protect you if you are accused of libel, slander, or false advertising.
• Product Liability insurance: An unknown sensitivity to an ingredient in one of your massage lotions or oils may irritate your client’s skin. A claim like this would be protected under our Product Liability Insurance coverage that is included at no additional cost.
• Identity Theft Protection: 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.
  
  

Licensing and insurance requirements vary from state to state. Depending on your state, the total number of training hours, CEU’s, and prerequisites will determine your eligibility for licensure.

Even though it is highly recommended, only a few states require LMTs to carry liability insurance. View our guide to massage therapist license requirements by state.  

This kind of incident is covered, up to $2 Million per occurrence, under your General Liability coverage from Massage Magazine Insurance Plus. The policy protects you against a legal claim filed and will cover medical bills for your client’s injuries.

Your Massage Magazine Insurance Plus policy does not include coverage internationally. Currently, our policy covers you throughout the 50 United States.

Your massage insurance policy is flexible and travels with you. Whether you are providing massage services to clients in the comfort of their own homes or you are working at a local spa, you are protected.

The massage liability policy from Massage Magazine Insurance Plus provides peace of mind and the ability to grow your massage practice as much as you desire.

The free online therapy provided by BetterHelp can be accessed inside your member portal, along with all of your other membership benefits.

You can access your certificate of insurance by logging into your online member portal and selecting the "Certificate of Insurance" option. If you need assistance, give us a call and we’ll email it to you.

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.

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.