Professional Liability Insurance

No, a single MMIP policy covers more than 500 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.

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.

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.

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.
  

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.  

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, you can enjoy 50 CE hours and select any courses within the NCBTMB-approved courses section on Niel Asher Education's website. We have teamed up with Niel Asher Education to provide our insured massage therapists with everything they need to remain competitive in their 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 Niel Asher Education's full library of NCBTMB-Accredited CEUs is 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.