Professional Liability Insurance Policy Options
1 year full-time Professional Rate
Built for the full-time professional.
$
169
/1yr
Cost to you: $0.46/day
2 year full-time
professional rate
Save $39 and lock-in a $149 per year rate with the 2-year policy option.
$
299
/2yr
Cost to you: $0.41/day
1 year part-time
professional rate
Built for professionals who work fewer than 10 hands-on hours per week.
$
159
/1yr
Cost to you: $0.43/day
Exclusive coverage perks and benefits included
500+ Modalities Covered—No Extra Cost
For one low price, you’re covered for over 500 yoga, massage, and beauty modalities like yoga therapy, Pilates, hot stone, reiki, fire cupping, sound healing and more. See all here.
Coverage That Follows You
You are covered wherever you practice in all 50 states, whether it's at your client's home, your office, their office, outdoors, or even online.
Free Continuing Education Courses
Included with your policy is access to 60 hours of FREE NCBTMB-approved online continuing education courses from Panda Massage CEU.
Insurance Marketplace
Get access to affordable health, vision, and dental insurance coverage. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365—with only a $10 copay.
Professional Liability Insurance Limits
1 Additional Insured: $10 | Unlimited Additional Insureds: $30
Other massage insurance companies will offer different coverage limits based on a practitioners full-time or part-time status. This would mean that if you are a part-time massage therapist, you may have less coverage than a full-time one.
We don’t believe in offering different coverage limits so all our policies have the same limits. Full-time, part-time, or a student, all members enjoy the same great coverage. Our massage insurance program prices are based on how you will use the coverage and decide to pay.
Professional Liability Insurance: Also known as "malpractice insurance" or "errors and omissions insurance," covers claims related to professional negligence, including instances like burns from hot stones or injuries during a deep tissue massage.
General Liability Insurance: Provides protection from claims that may not directly stem from your professional services. For example, if a client simply tripped and fell on your property, this coverage would protect you from the financial fallout of the lawsuit.
This coverage can help protect you if you’re accused of libel, slander, or false advertising.
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.
Who Is Massage Magazine Insurance Plus?
MASSAGE Magazine, a publication with over 38 years in the industry, developed Massage Magazine Insurance to provide a single, national liability insurance policy for health, wellness, and beauty professionals.
Now backed by insurance industry leader Arthur J. Gallagher & Co., we are able to provide even more dependable and all-inclusive coverage brought to you by the same small team who has insured over 100,000 professionals across the country.
What Is Massage Therapist Insurance?
See What Our Insurance Members Are Saying
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.
Erika 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.
REASONS WHY
Over 200,000 Professionals Have Chosen Us
Massage Magazine Insurance Plus is proud to provide the industry-recommend coverage type: occurrence form coverage with aggregate limits.
This combined with millions in annual coverage and superior customer service are just some of the top reasons why so many professionals choose MMIP.
We offer occurrence form coverage
Our policy has "occurrence form coverage" which is the industry-preferred coverage type because you are guaranteed to be protected against claims that occurred while your policy was in effect, even if the claim arises after your policy has expired.
Other insurance companies offer "claims made coverage", which means your policy has to be active when a claim is made in order to be protected. If your policy lapses, they will not cover you.
We cover over 500 disciplines and modalities
Our policy was designed to cover dual-practitioners in the beauty & bodywork industry for no additional cost.
However, there are some techniques and modalities that our policy does not cover, you can see the full list here.
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 | Beauty Bodywork Insurance | ||||||
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 |
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 |
Personal & Advertising Injury | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✘ | No | ✓ | Yes |
Annual Fee | $169/yr Professional $49 Student | $235/yr Professional $89 first-year Graduate Rate | $199/yr Professional $229/yr Certified | $175/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 Insurance | |
Occurence-Form Coverage | ✓ | ✓ | ✓ | ✓ | ✘ |
Professional Liability Insurance (Malpractice) | ✓ | ✓* | ✓ | ✓ | ✓ |
General Liability Insurance (Trip & Fall) | ✓ | ✓* | ✓ | ✓ | ✓ |
CE hours Included | ✓ | ✘ | ✓ | ✘ | ✘ |
Hour Qualification | ✓ | ✘ | ✘ | ✘ | ✘ |
Required CE hours | ✓ | ✘ | ✘ | ✘ | ✘ |
Identity Protection Plan | ✓ | ✘ | ✘ | ✘ | ✘ |
Personal & Advertising Injury | ✓ | ✓ | ✓ | ✘ | ✓ |
Annual Fee | $169 | $235 | $199/$229 | $175 | $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?
How do I get a copy of my insurance certificate?
What is the process for filing a claim?
How are part-time and full-time policies different?
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?
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?
Is there a limit to the number of your free CEs I can take advantage of?
Can I pay in monthly installments?
Am I insured for services performed at both my office and clients' homes?
Can I purchase a policy now and begin coverage later?
$0.41/day represents the daily cost of the annual policy for the part-time professional rate. Daily payments are not available.