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

• Member benefits

• 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

Information is essential when shopping for insurance. Use liability insurance comparisons, insurance providers' websites, and customer reviews to make the most informed decision on your insurance plan. Once you have the information you need, get insured as soon as possible.

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.

Yes, you can take advantage of monthly payments through PayPal's Pay Monthly credit plan. However, we recommend paying in full upfront to avoid a credit check. PayPal splits your policy cost plus a small service fee into manageable monthly payments. This option requires a credit check, and there’s no interest if you pay it off within the first six months. After six months, interest may apply.

Filing a claim is straightforward. Just email our Operations Team at sarasota.bsd.operations@ajg.com to initiate the process. They’ll verify your coverage and provide a Claim Summary Form for you to fill out. Additional documents may be requested based on your situation. We’ll take care of the rest.

Yes, you’re fully covered in both locations. Our insurance policy follows you wherever you practice, whether it's in your office or at a client's home. As long as you're complying with local/state regulations, you’re covered in all 50 states.

You can download your certificate of insurance by logging into your member portal and navigating to the "Certificate of Insurance" section. If needed, you can also call us, and we’ll email it directly to you.

Absolutely! You can buy your policy now and select a start date up to three months later. For example, if you buy on April 1 but need coverage starting May 25, simply set May 25 as the start date when you check out.

The key difference is the number of hours you work with clients each week. If you work 10 hours or less, a part-time policy is ideal. If you work more than 10 hours, you’ll need a full-time policy. Administrative and business tasks don’t count towards these hours, and both policies have the same coverage limits.

To add an additional insured, give us a call at 800-963-9573.