Professional Liability Insurance
Protect your practice with professional & general massage insurance from Massage Magazine Insurance Plus that costs as low as $0.39/day.
Professional Liability Insurance Policy Options
1 year full-time Professional Rate
Built for the full-time massage therapist or energy healer.
$
169
/1yr
Cost to you: $0.46/day
2 year full-time
professional rate
Save $24 and lock-in a $145 per year rate with our 2-year policy option.
$
289
/2yr
Cost to you: $0.39/day
1 year part-time
professional rate
Built for massage therapists who work fewer than 10 hours per week.
$
149
/1yr
Cost to you: $0.41/day
Massage Magazine Insurance Plus offers honest, dependable, and affordable liability insurance for massage therapists and bodyworkers for $169 per year for full-time pros and $149 for part-timers. We were fed up with insurance companies offering complicated policies that didn’t have their members in mind so we decided to create a policy that did, that's why our policy automatically covers over 450+ modalities from massage therapy to cosmetology, yoga and more.
Our policy takes less than 5 minutes to sign up for and includes can't-beat benefits like access to free online continuing education courses, over $1,800 in member benefit discounts and access to health insurance coverage for you and your family.
Liability Policy Limits
Every Insurance Policy Also Includes...
Free online therapy from BetterHelp
Discounted MASSAGE Magazine subscriptions
Who Is Massage Magazine Insurance Plus?
MASSAGE Magazine, a publication with over 38 years in the industry, developed Massage Magazine Insurance Plus to provide a single, national massage liability insurance policy for health, wellness, and beauty professionals.
Now backed by Arthur J. Gallagher & Co. and Arch Insurance, 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 MASSAGE Magazine team who has been serving the massage and bodywork industry since 1985.
See What Our Insurance Members Are Saying
The opportunity to be insured by MMIP saved me $1,300 per year and helped make it possible to run my own Wellness Center with no liability concerns. I am so grateful to have this insurance option! My stress over insurance expense and coverage is completely gone. Thank you MMIP!
Debbie Merrick
Reiki Practitioner
I love Massage Magazine Insurance Plus member because they are an expert leader in the industry of Health and Wellness. Their insurance supports all parts of my business from massage to yoga to Reiki energy balancing and even waxing!
Delaney Outlaw
Massage Therapist
Massage Magazine Insurance Plus gives me a very broad range of coverage for a great price. Plus MMIP's customer service team have an amazing customer service attitude. I feel totally protected in this in this new massage environment.
Gary Rosenthal
Mindbody Therapist
I was very happy when I discovered Massage Magazine Insurance and found out that I no longer need to buy separate insurance for the yoga classes I teach. Now I am covered for my yoga classes and CranioSacral therapy classes all at one low price!
Janet Berryhill
CranioSacral Therapist
Why Have 100,000 Professionals Have Chosen Us?
Massage Magazine Insurance Plus provides occurrence form coverage with individual aggregate limits which is the industry preferred with offers the industry-preferred coverage type and individual aggregate limits that protect you from claims that may arise. Combined with our high insurance limits and superior customer service, our massage insurance gives you the peace of mind that you are protected and if anything does happen, we've got your back.
We offer occurrence form coverage
Occurrence form coverage vs claims-made coverage
Occurrence form is the industry-preferred policy type over claims-made because you are covered for any incident that occurred while your policy was in effect, even if the claim were to arise after your policy expired. We offer the occurrence form policy so that our customers can rest easy knowing they're protected even if their clients delay making a claim.
We offer individual aggregate limits
Individual aggregate limits vs shared aggregate limits
We offer individual limits, meaning your policy will protect you up to the amount listed on your policy. Every insured person will have their own coverage, and the claims that others make will not affect the individual coverage amount available. This is unlike shared limits where when the group shared limit is reached for the policy year, anyone who files a claim afterwards will not be covered under their individual limits.
We cover over 450 disciplines and modalities
Our massage liability insurance includes coverage for multi-discipline practitioners at no additional cost. While we work hard to ensure you're covered for everything you practice, there are some excluded methods that our policy does not cover.
How We Stack Up Against Others
Massage Magazine Insurance Plus (MMIP) works hard to keep up with the ever-changing massage industry to ensure that our members are receiving the best value for their practice. Our all-inclusive insurance package comes with perks, benefits, and additional coverage plans that other liability insurance companies just don’t offer.
Price can be a major deciding factor when it comes to choosing your insurance provider, but does more expensive really mean better coverage? With ABMP and AMTA, you're required to pay membership fees in order to obtain liability insurance but with MMIP, no fees whatsoever are required to become insured, and you receive all of the benefits and comprehensive coverage limits.
MMIP | AMTA | ABMP | Hands on Trade | Insure Bodywork | ||||||
Occurrence-Form Coverage | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✘ | No |
Professional Liability Insurance (Malpractice) | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate | ✘ | $2 Million Per Occurrence $6 Million Individual Annual Aggregate ($10 Million Shared Limit) | ✓ | $2 Million Per Occurrence $6 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence | ✓ | $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 $6 Million Individual Annual Aggregate ($10 Million Shared Limit) | ✓ | $2 Million Per Occurrence $6 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate | ✓ | $2 Million Per Occurrence $3 Million Individual Annual Aggregate |
Products Individual 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 |
Rental Damage Coverage | ✓ | $100,000 | ✘ | 100,000 (Fire/Water Legal Liability) General Liability Limits May Apply | ✘ | $100,000 (Fire/Water Legal Liability) General Liability Limits May Apply | ✘ | No | ✘ | $300,000 |
Stolen Equipment | ✓ | $1,000 *$250 deductible | ✘ | Optional—Add $100 | ✘ | Optional—Add $95 | ✘ | No | ✘ | No |
Identity Protection Plan | ✓ | Yes | ✘ | Optional—10% Discount on Lifelock | ✘ | No | ✘ | No | ✘ | No |
Annual Fee | $169/yr Professional $40 Student | $235/yr Professional $89 first-year Graduate Rate | $199/yr Professional $229/yr Certified | $154/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 | Insure 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.
Have Questions? We Have Answers.
Is there an extra charge for practicing more than one modality?
How soon will my coverage take effect?
What does my massage liability insurance not cover?
How do I add an additional insured to my policy?
After I have stopped practicing, am I still covered?
Who qualifies for the part-time policy?
Do you cover injuries encountered by hot stone services?
How do I renew my massage liability insurance policy?
Can I add other massage therapists to my massage insurance policy?
Why is a policy with an individual annual aggregate better than a shared annual aggregate?
How does liability insurance work with Covid-19?
What is the difference between the types of liability coverage included in a massage liability policy?
Am I required by the state to get massage insurance?
Is Reiki covered under my massage insurance policy?
Are there different levels of massage therapy insurance coverage?
After I have stopped practicing, am I still covered?
If a client falls off my massage table what does my policy cover?
Am I covered internationally by my policy?
Whether I practice in a spa or a client’s home does my policy protect me?
Does Massage Magazine Insurance Plus offer an incentive for referrals?
Is there a limit to the number of your free CEs I can take advantage of?
$0.41/day represents the daily cost of the annual policy for the part-time professional rate. Daily payments are not available.