Professional LMT Insurance

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

You can explore this list of excluded methods that this policy does not cover. This policy also does not cover the use of T-bars, charges of sexual harassment or the transmission of HIV or a STD.

You can add an additional insured to your policy at any time. Click here to request an additional insured to be added or call us.

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).

The part-time policy is designed for massage and bodywork professionals who perform services on clients, on average, fewer than 10 hours per week. The policy coverage is the same exact coverage as the professional full-time policy.

Yes, this is one of the healing touch practices that is covered under our liability insurance policy. You can rest easy knowing you are protected by industry-leading comprehensive coverage from Massage Magazine Insurance Plus.

We make it easy for you to renew your policy with us at Massage Magazine Insurance Plus online. Simply head over to our renewal page to start your renewal application. Make sure you have your email address on file with us, your member number, and your billing information on hand.

If you would like to renew over the phone, just call 888-994-8563 to speak to one of our qualified customer service representatives. We will be glad to assist you.

No, under our liability insurance policy we protect you as an individually licensed massage therapist. Each massage therapist is responsible for carrying his or her own policy coverage.

With an individual aggregate based liability policy, like our massage liability policy, you don’t have to worry about reaching the maximum annual aggregate with a bunch of people you don’t know. Every insured massage therapist will have his or her own coverage. Any claims that other insured customers make will not affect your individual coverage amount remaining.

In a shared annual aggregate policy, you would be sharing the yearly limit for claims and may find yourself in a situation where you might not be covered under your policy after all. If the shared annual aggregate limit for the year is reached anyone in the group who files a claim after that point will not be covered under their individual coverage limits. 

Steven P. Mikuzis, a trial lawyer with Mag Mile Law and Ty Stewart, CEO and president of insurance broker Simple Life Insure had this to say about how liability insurance works when Covid is involved:

"Coverage for liability claims is always looked at on a case-by-case basis, Mikuzis added, and "the allegations of a specific claim are reviewed to determine if they fall within coverage as written in the insurance policy."

Further, there can be confusion around whether or not a peril or event is covered when it is not explicitly excluded. The short answer is, just because your policy doesn’t explicitly exclude something, including COVID-19, does not mean you will be 100% covered for a related claim, said both Stewart and Mikuzis. Also, even if an insurance carrier says it covers claims related to COVID-19, for example, few lawyers would accept such cases, said Stewart. To prove negligence, he said, a plaintiff must prove proximate cause, meaning they were infected with COVID-19 because of the service they received from the defendant.

"It is very difficult for anyone exposed to COVID-19 to narrow down where, exactly, they were infected," Stewart said. "Was it public transportation, the restaurant or bar they went to last night, the park they walked in or the massage they received?"

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.

• 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.

• Rental Premises Liability insurance. This coverage provides added protection to the space that you are practicing in for damage caused by you or one of your customers. Massage Magazine Insurance Plus is one of the few companies that includes this coverage at no extra charge.

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.  

Yes, it’s covered! Reiki is a very beneficial practice and one that is now often combined with traditional massage. At Massage Magazine Insurance Plus, we understand that there is not just one type of massage or other healing practices.

Reiki is one of the over 350 healing practices and massage modalities covered by our professional insurance for massage therapists.

With our massage insurance, you don’t have to wonder if there is a better level of coverage available.

Our insurance policy, at one of the lowest prices compared to the competition, provides industry-leading coverage levels to provide you peace of mind and protection.

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).

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.

Yes! We greatly welcome referrals. In fact, we offer a free referral bonus if you send another massage therapist to us for liability insurance. Read more information on how to qualify for your free referral bonus.

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.