Comparing The Best Insurance for Massage Therapists

Summary:

This all-inclusive massage insurance plan covers the greatest amount of modalities simultaneously (over 500), with more being added all the time. There’s also free massage continuing education courses, discounts from top names in massage products and business services, and hosts of additional benefits and resources.

On top of all these benefits is, of course, the policy itself. That’s why we include $2 million per occurrence and a $3 million annual aggregate for general and professional liability, and then take it further than anyone with a $25,000 identity protection plan and a $2 million personal injury & advertising limit. MMIP policies also have occurrence form coverage—which means you are protected against claims that occurred during your policy period, even if the policy has expired.

All of this is available at both part-time and full-time rates, students-only rates, flexible monthly payments, and money-saving upfront premium options. We do all of this to give ultimate flexibility in a plan that’s easy to access from start to finish.

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Summary:

AMTA provides various member benefits, including massage therapy insurance. It is also heavily involved in advocacy at the federal, state, and local levels of government. AMTA also states it provides networking opportunities, continuing education classes, and training. 

While their policy has limits of $2 million per occurrence and a shared annual maximum of $6 million, everyone who is insured with AMTA shares this coverage. This means if people use up these funds and you need to file a claim, there may not be enough coverage if you file a claim, leaving you financially responsible.

If you're a massage therapist needing instant coverage, AMTA does not offer this as an option. Massage therapists are required to wait for their policy to go into effect which can put LMTs at risk if their policy has lapsed.

One major benefit that AMTA offers is free membership for students in a massage therapy program. This means that qualifying students can receive liability coverage, and networking benefits, and other student-specific programs at no cost. However, once the massage therapist student has graduated, their policy is no longer active.

Although the benefits that AMTA offers may seem excellent for massage professionals, they come at a very high cost. A membership with AMTA will run you around $235 pear year. So if cost matters, be sure you know what you are getting into.

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Summary:

ABMP's massage insurance starts at $199 per year and goes as high as $229. ABMP policies are occurrence form coverage — which means you are protected against claims that occurred during your policy period, even if the policy has expired.

ABMP offers up to $2 million per occurrence and an individual annual maximum of $6 million. An individual aggregate means that the policyholder is the only party considered for the total amount of coverage and that the coverage amount is not split among other policyholders. Having the total annual limit all to yourself means you have a more complete coverage than if that maximum was a shared

ABMP’s policy does not automatically cover the policyholder in various wellness disciplines. This means if you're a massage therapist that also offers esthetic services, teaches yoga or group dance, does nails professionally and so on, a policy with ABMP does not automatically cover you. So if you're a practitioner that practices in multiple modalities, this is very important to know.

ABMP also does not offer rates for part-time massage therapists or 2-year policy options.

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Summary:

Beauty and Bodywork Insurance (BBI), aka InsureBodywork.com provides insurance to a wide range of modalities. It also has a long list of areas that aren’t automatically covered, including yoga, cupping, dance instruction, aqua therapy, cool sculpting, electrolysis, ear candling/coning, pole fitness, microblading, herbal therapy, gua sha, and many more. Some of these excluded modalities are listed as “optional endorsements,” which basically means you can pay more for this coverage.

One of the biggest advantages of BBI is that they list pricing and coverage information up front and center (something you have to dig for with AMTA and ABMP). The current pricing information they list states $96 for a professional liability policy and $67 for a student liability policy. However, while BBI markets their policy at a $96 rate, you’ll see at checkout that they tack on additional costs for standard coverages. By the time you check out, the BBI policy is $243!

Apart from the sneaky pricing that BBI markets, one of the most important factors is that a BBI policy is claims-made, which means you are not protected against claims that arise after your policy has expired.

Everyone who purchases with BBI is enrolled into their auto-renewal program, whether you’d like to be or not. In order to cancel your coverage, you have to submit a request in writing to their team far out from your renewal date, otherwise, you will be automatically charged. This makes canceling your policy extremely tedious and time-consuming.

Lastly, BBI’s career resources and member benefits are far less extensive than the other competitors on this list.

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Summary:

Hands On Trade Association offers insurance that covers a wide range of professions, including massage, esthetics, coaching, yoga, and more — all under a single policy. At $185/year, it’s positioned as a convenient solution for multi-disciplinary practitioners. The policy includes general and professional liability limits of $2 million per occurrence and a $3 million aggregate. It also offers instant coverage and a student plan that transitions to professional coverage at no extra cost.

That said, the broad coverage is balanced by a long list of exclusions, including many popular services like permanent makeup, tattooing, full-body cryotherapy, and certain medical esthetics. Coverage for animal massage, while offered, is capped at $25,000, significantly lower than other limits. 

While this provider may work for some practitioners, especially those just starting or those with diverse practices, the lack of more robust benefits and detailed exclusions list mean it’s important to read the fine print. What seems like an all-in-one solution at first may fall short depending on your actual service offerings.

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Summary:

AMC provides one of the more affordable massage liability insurance options on the market, with base pricing around $99–$109 annually. Their policies include occurrence form coverage and extend to massage, energy work, movement, and spa modalities. They also offer additional insureds for a fee.

Still, AMC’s affordability may come at a cost for some professionals. Coverage for high-risk services like hot stone therapy requires extra paperwork and approval, and there's no dedicated student rate or automatic upgrade path once a student becomes licensed. 

AMC also does not include any continuing education benefits, identity protection, or health-related member perks — all of which are standard in more full-featured plans. If you’re looking for just the basics at a low price, AMC might be a fit, but if long-term value and comprehensive support are a priority, you may want to compare more robust options before deciding.

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Summary:

InsureLMT markets itself as one of the most budget-friendly massage insurance providers, with policies that include occurrence form coverage and protection for over 500 modalities. It also provides a $25,000 identity protection plan and instant digital proof of insurance upon purchase — features that may appeal to therapists looking for a quick, low-cost solution.

While the student plan is inexpensive at $35 and includes the same coverage as professional policies, the overall aggregate limit is lower than some competitors, and coverage is not available outside the U.S. or its territories. If you’re a massage therapist who travels outside of the United States, offers other wellness services, or simply wants more comprehensive coverage with member benefits, this may not be the right fit long-term — even if the initial price is appealing.