Massage Therapy Insurance Policy Details
If you have been searching for the perfect insurance for massage therapists, you probably know that every policy is slightly different. It can be easy to become bogged down with all the terms, details, and coverages of the insurance plans. That’s why we created this road map for our massage therapy insurance policy.
In this guide, you can find the particulars of what’s covered, how much coverage you have, plan costs, and member benefits. Here is all you need to know about our massage therapy insurance plan.
When you choose insurance from Massage Magazine Insurance Plus, you receive not only excellent protection but also coverage for several types of liabilities. Our plan includes protection for general liability, professional liability, personal injury & advertising, and identity theft protection.
Let’s explore each of these in further detail.
Three Policy Options
part-time policy
Only practice part-time? Save $10 on coverage with our part-time policy
$
159
/1yr
1 year Full-time policy
Save more money by paying this total first year introductory rate.
$
169
/1yr
2 year full-time policy
Purchase our two-year policy option and lock-in an annual rate of only $149.
$
299
/yr
Coverage Details
General Liability Coverage
When we talk about general liability, we are referring to incidents that may occur that are not directly related to your profession. These could include falls, slips, trips, or bodily harm to a client or person under your care. These types of accidents are typically caused by negligence and could happen in nearly any place of business.
With our massage therapist insurance policy, you would be financially protected if a client files a general liability claim against you. This plan covers up to $2 million per occurrence with an annual aggregate (maximum that Massage Magazine Insurance Plus could pay) of $3 million per year.
Professional Liability Coverage
As opposed to general liability, professional liabilities are directly related to your occupation. These are incidents that may happen during a massage session, like burns from hot stones, a tweaked nerve in a deep tissue massage, or a bodily injury of some kind. These types of claims are typically caused by an accidental mistake or an unknown issue.
If a client sues you under a professional liability claim, MMIP will cover up to $2 million per claim with an annual aggregate of $3 million.
Personal Injury & Advertising Coverage
Personal & Advertising Injury coverage helps protect a business’s good name. It covers non-physical injuries like defamation and invasion of privacy, as well as claims related to false advertising or copyright infringement. The coverage helps businesses handle legal expenses, settlements, and judgments associated with these claims. MMIP will cover up to $2,000,000 per year for this coverage.
Identity Theft Protection
In today’s era, an online presence has become a standard practice for small businesses. Whether you use social media, online marketing, or an online scheduling system, your information is out there. While this can be a great tool to connect with clients, it can also lead to potential hazards like identity theft. If your identity is stolen, it can end up costing you a good deal of money and frustration.
Our policy includes coverage for identity theft and will pay up to $25,000 to help you recoup losses.
Types of Massage Covered
As you well know, there are a good many different types of massage therapies. Some forms of massage are common practices, like deep tissue, Swedish, and Reflexology, while others are less common, such as Balneotherapy, Ohashiatsu, and Hakomi. Many workers in the touch therapies industry specialize in multiple forms of massage and will use methods best suited to their client's needs.
Because there are so many methods and modalities of massage, we felt it important to offer coverage for as many forms as possible. We have coverage for everything from the most recognizable to the more obscure practices of massage. With over 450 modalities covered for massage and wellness, you can be certain that we have some of the most comprehensive coverage on the market.
Member Benefits
Now we get to the really fun stuff; the perks of membership. As a policyholder, your benefits are designed to pamper and delight you, as well as provide for your everyday needs. You care for your clients every day; now, let our exclusive benefits take good care of you.
Access to Continuing Education
As a massage worker, you will need to maintain your educational requirements to keep practicing. Each state will have specific requirements for hours of continuing education units (CEUs), which you must fulfill annually. Because your state requirements are such an important part of your career, we made it a little easier to maintain your massage education with access to over 60 hours of educational materials.
As an MMIP member, you are granted unlimited access to 25 courses of NCBTMB-approved educational videos, texts, and quizzes. These courses are designed to help you meet your state certification requirements each year.
Free Online Therapy from BetterHelp
Just because you are a promoter of wellness and relaxation does not mean that you will never need help yourself. Taking care of your mental health should be a high priority for you, especially as a worker in touch therapy.
Included with our massage therapy insurance policy, you can have free therapy from BetterHelp to talk with licensed therapists. We believe that everyone needs help from time to time. We want to make sure that our members have access to the help they need.
Exclusive Discounts
Just to add a little icing on the proverbial cake, our members have a range of incredible discounts on the services and products that make life and work a little easier. With discounts to places like RockTape, Office Depot, Advanced Trainings, Custom Craftworks, and more, the perks keep on coming.
We want you to have all the tools you need to be a successful massage therapist. These deep discounts are just one way that we can spoil you a little.
Access to Affordable Health Insurance Plans
With the aftereffects of the global pandemic still occurring, having access to health care is more important than ever before. That’s why we offer access to an entire marketplace of affordable health insurance plans for our members. We’ve teamed up with member benefits to bring you health insurance for massage therapists at a cost that matches your budget and medical needs.
We know how tough massage can be on massage therapists. Taking care of your personal health shouldn’t have to be a pain, however, when you get massage therapy insurance from MMIP, getting the health care you need is simple and affordable.
Free MASSAGE Magazine Content
As an added bonus, our members receive a free digital content from MASSAGE Magazine. Stay up to date on the latest massage trends, news, and events in the world of massage.
Cost of Massage Therapy Insurance Policy
Other policies can cost more than advertised with hidden fees or additional costs. Our massage therapy insurance is upfront and honest about the cost of our policy.
- 1 Year of Full-Time Coverage: Designed for those that work in massage as their full-time career, this plan is only $169 per year, which can be paid all at once or in 12 monthly installments of $15.49.
- 2 Years of Coverage: Also for our full-timers, this plan gives you two years of coverage for $299 or 12 payments of $24.92.
- 1 Year of Coverage for Part-Time Workers: This option is designed for those that work less than 10 hours a week and cost $159 or $13.25/mo for 12 months.
- Student Rate for One Year of Coverage: For the first year, the student rate is only $49 for the same great coverage.
Get Insured Today
And there you have it! All the details of our massage therapy insurance policy. Register today and start coverage right away.
Massage Therapy Insurance Policy Details FAQs
It definitely matters which insurance provider you choose. Although everyone will say they offer the best massage liability insurance, some will charge higher prices for less coverage or make you pay outrageous amounts to get all the coverage you need. As you search for an insurance provider, remember that they are not all the same. You can look for the following attributes when you shop for liability insurance:
Great coverage limits
Budget-friendly premiums
Payment options
Excellent customer reviews
Convenient online system
Exceptional customer service
If an insurance provider has all this to offer, you can feel confident in your decision.
While every massage insurance policy we offer provides the same coverage for liability insurance and additional coverage, each option has a few differences. We recognize that every person has different career stages and provide plans to suit each phase best.
Students: Students are given a deep discount to help them develop their skills safely.
Part-time massage workers: If massage is your side gig, this option is perfect for you.
Full-time professionals: If you’ve made a career in massage, this option can be selected for one or two years at a time.
No matter what stage of your career you are in, we have a plan for you.
Yes. As a student, you are developing your career skills, learning the art of your profession, and studying under professional supervision. During your educational development, you will have the opportunity to work with real clients. Although you will be under supervision, a client could still be hurt or have an accident while under your watch. If a client is injured or has personal property damage while you’re working with them, it could leave you liable for the cost of their compensation.
Massage liability insurance for students is an important safety net in case something goes wrong while you are still mastering your skills. Many massage schools require massage insurance to take their courses. Be sure you have the coverage you need for your new career. Get massage liability insurance today.Your needs are the most important factors when shopping for liability insurance for massage workers. You will need to ensure that your coverage needs are met and sufficient for you while staying within your financial means. While every insurance company will have benefits to love and downsides, the best liability insurance will include these basic amenities:
- Professional liability coverage
- General liability coverage
- Member benefits
We cover over 450 unique modalities and specialties. We include comprehensive coverage for each of these areas from the beginning of your insurance policy. When you learn a new skill or modality for your career, you shouldn’t have to contact your insurance company. That’s why we’ve simplified the process and have you covered from the outset.
If you do not see your specific modality in our list, you are welcome to contact our team. It is possible that we offer coverage under a different area or modality. There is no need to worry. Our list of excluded modalities is small compared to how much we do cover.Every person has a different opinion on how much coverage they need for their insurance plan. While some insurance providers offer smaller coverage limits, like $1 million annual aggregates, others will offer as much as $5 million for a high monthly premium. Our yearly aggregate is $3 million for professional and general liability coverage, which we find to be more than sufficient in most cases.
When you shop for insurance, it's important to examine your coverage needs thoroughly. You will be confident you have sufficient coverage at an affordable rate. Before making your final decision, do your homework on insurance companies. Make an informed decision on what plan works best for your budget and career needs.
We sure do. It’s always best to do your research before making a big decision. When it comes to massage insurance, there is no shortage of options. Not only do you need to look at insurance providers, but you’ll need to compare policies, coverage limits, benefits packages, etc. The information can be overwhelming for most bodywork and massage professionals.
Fortunately, we've compiled the info you need to make an informed decision on your insurance provider. Our massage liability insurance comparison is an easy way to inspect multiple options at once. You can compare prices, coverage, benefits, and more in a convenient location. We highlight everything you need to know to make your decision and find the best massage liability insurance for your coverage needs.Not at all. We encourage our policyholders to stick with us for their massage therapy insurance. Renewing your liability coverage is a simple, expedient process. When you’re ready to renew, the entire process will only take a few minutes. We’ll ask a few questions best to understand your current work situation and coverage needs. Once we get that info, you’ll select your plan for the next term and payment option. That’s it.
You’ll have the option to select one or two years of coverage with flexible payment plans for each. As a massage or bodywork professional, we don’t want anything to stand in your way. When you choose us as your preferred insurance provider, we will do all we can to make it easy.
Most definitely. Planning ahead is the best way to get a discounted rate for massage liability insurance. When you register for massage therapist insurance, select the two-year policy term to receive a lower cost per year. The lower price is automatically added, so you don’t have to worry about entering a code to receive the price cut. When you plan ahead for two years of coverage, you save $39 as opposed to the one-year plan.
Another way to save is with the student rate. We believe in investing in up-and-coming massage therapists. We offer a deeply discounted rate for students to give them the liability coverage they need while they develop their massage skills. For the first year, students will only pay $49 for incredible coverage and benefits.If you have more than one claim within your policy term, we have you covered. Our massage therapist liability insurance includes both a per-occurrence limit and an annual aggregate for professional and general liability claims. This means that you can still be eligible for coverage if you have multiple claims within your policy term.
With general and professional liability, your per-occurrence limit is a generous $2 million with an annual aggregate (maximum) of $3 million. With this insurance process, you don’t have to sweat it if you have more than one incident or liability claim. Our coverage gives you complete peace of mind in your insurance protection.
Sometimes, life takes you on an unexpected path to new adventures. When you need to move to a new job or new state, your coverage goes with you. We offer coverage in all 50 states, so you don’t have to worry about getting a whole new policy every time you move. Just let us know your new location, and we’ll take care of the rest.
If you are moving to a new state, we recommend doing some research on your new place. Some states have unique health and wellness professional requirements, and you will want to ensure you meet the regulations before you begin working there.
Not at all. We understand that some massage therapists operate in multiple massage studios or locations. We encourage our policyholders to broaden their horizons and take on as much opportunity as they can handle. We offer additional business coverage as a part of your policy for a small additional cost.
You can choose to add one or two additional locations for just $10 per business for a one-year plan or $15.95 per business for a two-year plan.
For those massage professionals with three or more locations, you may want to consider the $30. This option allows you to add as many businesses to your policy without paying for each individual site. The unlimited business option is perfect for commuters or traveling masses.
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A+ rated (Superior) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202