Massage Liability Insurance Resource Center

Massage Therapist Insurance

Welcome to the Liability Insurance for Massage Therapist resource center. Our goal is to provide professional massage therapists the information they need regarding the various aspects of massage therapist insurance so they can make well-informed choices. Discover more about the benefits of insurance for massage therapists, as well as the types of coverage to expect from the best programs and what to look out for from the rest. As the adage goes, “Knowledge is power.”

Why does a massage therapist need liability insurance?

Like any “hands-on” profession that deals with public health, massage therapy involves risk. Healthcare practitioners deal with clients in various states of physical wellbeing, and in such a high-contact modality like massage, the client’s health and the physicality involved can make a recipe for a lawsuit.

Aside from the potential to aggravate a client’s existing health condition, or in some other way cause injury, even the best massage therapist can’t predict whether a client may trip over a rug and become injured, which might also result in a lawsuit. Beyond that, massage creams may cause a client an allergic reaction. Such an event is outside the massage therapist’s direct control and can also lead to a legal claim. Liability insurance for massage therapists provides peace of mind and crucial support for the massage therapist. Without insurance, a legal claim can cost an LMT a good reputation, thousands of dollars, and may ultimately put a professional massage therapist out of business.

FAQ 1: What is general liability insurance?

General liability insurance, also known as “trip and fall” insurance, will protect you in the event that a client trips and falls and is injured as a result. This type of coverage is critical to any business that allows clients onto a property, and it is one of three essential components of a good LMT insurance policy. Read more about general liability insurance.

FAQ 2: What is professional liability insurance?

Professional liability insurance, also known as malpractice insurance, is the second key component to a comprehensive massage malpractice insurance policy. If someone claims an injury was incurred as a direct result of your lack of competence or skill as a professional massage therapist, having this type of insurance coverage will protect you. Malpractice insurance is highly relevant to any healthcare provider. Read more about professional liability insurance.

FAQ 3: What is product liability insurance?

Product liability insurance provides protection in the event that a product used during a massage therapy session causes some kind of injury to a client. Since massage therapists often use products that come into direct contact with a client’s skin, this type of coverage is essential to LMTs. Learn more about product liability insurance.

FAQ 4: What is rental premises liability insurance?

Rental premises liability insurance relates specifically to any place that you rent or lease for your practice. This type of coverage applies when damage occurs to the facility due to some negligence on your part to the rental space – from the drywall in. Contents of a rental location are not covered within this type of insurance. 

FAQ 5: What is the difference between occurrence form and claims made coverage?

The difference between occurrence form and claims made coverage is critical to understand when buying liability insurance for LMTs. If you have an occurrence form policy and a claim is filed after your coverage ends, you are still covered for incidents that occurred during your coverage period.  For example, if you have an occurrence form policy that ends on December 31 of a given year and you do not renew your policy, you will still be covered for any claim filed after December 31, as long as the incident in question happened on or before December 31 during the period of time that you were covered.

HOWEVER, if you have a claims made policy which ends on December 31 and you do not renew your policy for the following year, any claim filed after December 31 will not be covered, even if the incident in question happened on or before December 31 during the period of time that you were covered. 

FAQ 6: What difference does it make if I work part time or full time?

Some massage insurance companies have very specific restrictions regarding what hours an individual may work while insured as a part-time or full-time employee. If your part-time policy covers you for 6 hours of work per week, for example, and an incident happens during a week where you happened to work 7 or more hours during that week, the insurance company may reserve the right to deny your claim, since you worked hours beyond the limits of the policy. You would be better served by a policy that does not have a distinction between full and part-time work.

FAQ 7: What does the advertised price often include?

The advertised price of a massage liability policy and what type of coverage that dollar amount includes varies greatly from program to program. While some programs’ pricing reflects what you pay for general, professional, and product liability coverage combined, that is not always industry standard. Some companies have a low advertised price, but will add additional fees, including application fees, association fees, processing fees, and certificate mailing fees. If you need an additional insured, this may or may not cost you extra. In some cases, you will be required to pay extra for the inclusion of certain modalities (e.g., hot stone). When shopping, make sure to clarify what coverage is included or excluded in the quoted price, and how much the entire policy will cost with all of the features and benefits you want and need included.

FAQ 8: What difference does it make if I am an employee versus an independent contractor?

Certain massage insurance programs will have different pricing and different rules for employees versus independent contractors. As such, if you were to purchase an annual policy as an employee, but switch mid-year to an independent contractor position, you may unwittingly negate your insurance coverage. Be sure to ask what may happen should you have a change in positions to make sure it won’t affect your coverage. You would be better served by a policy that does not have a distinction between employees and independent contractors.

FAQ 9: What difference does it make if waivers are required or not?

Several factors weigh into whether or not a liability insurance policy will provide coverage when a claim is filed, and one of these factors is whether or not the insurance company has asked or required you to provide your clients with “release of liability” waivers. If the insurance company makes waivers a mandatory part of your insurance coverage, and you forget to have a client sign a waiver, or cannot provide evidence proving they, in fact, signed a waiver, the company may reserve the right to deny a claim. Knowledge is power. Find out if the program you’re considering as your insurance provider requires a waiver, and make sure you understand fully how that may limit your coverage. You would be better served by a policy that does not require “release of liability” waivers from your clients.

Massage Liability Insurance Comparison Grid

BENEFIT MMIP AMTA ABMP AMC NAMT
Annual Fee $159 $235 Professional, Graduate Rate: $89 $199 / $229 $99 Prof. Liability only $149 Including General Liability (one location) $89.95 + $50 fee
Student Fee $25 (12 full Months) $45 Until Graduation $45 N/A $49.95
Hour Qualification None 500 hours 500 hrs Professional or Certified level – 100 hrs Practitioner level N/A 100 hours
Required CEU hors None 48/4 years 16/2 yrs Certified level N/A N/A
Professional
Liability Insurance (Malpractice)
$2 Million / Occurrence
$3 Million individual annual aggregate
$2 Million / Occurrence
$6 Million individual ($10 million shared)
$2 Million / Occurrence
$6 Million individual annual aggregate 
$1 Million / Occurrence
$3 Million Individual annual aggregate
$1 Million / Occurrence
$3 Million Individual annual aggregate
General
Liability Insurance (Trip & Fall)
$2 Million / Occurrence
$3 Million individual annual aggregate
$2 Million / Occurrence
$6 Million individual ($10 million shared)
$2 Million / Occurrence
$6 Million individual annual aggregate 
$1 Million / Occurrence
$3 Million Individual annual aggregate
(Add $50 per location)
$1 Million / Occurrence
$3 Million Individual annual aggregate
Products Individual Annual Aggregate $2 Million $6 Million individual ($10 million shared) $3 Million $1 Million $1 Million
Rental Damage Coverage $100,000 $100,000 (Fire / Water Legal Liability) Gen. Liability limits may apply $100,000 (Fire Legal Liability) Gen. Liability limits may apply N/A N/A
Coverage Follows You Everywhere Yes Yes Yes N/A Yes
Stolen Equipment $1,000 Optional – add $100 for $10,000 of coverage Optional – add $95 for $10,000 of coverage N/A N/A
Identity Protection Yes (see details) Optional – 10% discount on Life Lock N/A N/A N/A
Additional Insured Endorsement Add $10 per AIE No charge No charge Add $10 per AIE Add $10 AIE
Website Included Yes – Free Yes Yes – Free N/A Yes
Occurrence Form Coverage General, Professional and Product Liability General, Professional and Product Liability General, Professional and Product Liability N/A N/A
Claims Made N/A N/A N/A General, Professional and Product Liability (additional cost for extended reporting) General, Professional and Product Liability
 

Massage Therapist Insurance Articles