Cheap doesn't always mean a product is less than ideal. At InsureLMT, we’ve designed our program to be both budget-friendly and highly effective—providing real-world protection for the challenges massage therapists face daily. For just $94, you’ll receive comprehensive coverage that safeguards your career, so you can focus on delivering the perfect massage without worrying about potential claims.

Massage therapists should consider carrying both professional liability insurance (also known as malpractice insurance) and general liability insurance. Professional liability insurance helps cover legal fees and damages if a client claims your services were inadequate or caused harm. General liability insurance, on the other hand, protects against claims of bodily or personal injury that may occur during your work, adding an extra layer of security to your practice. For even greater protection, massage therapists may also want to explore coverage options such as Identity Theft Protection and Personal Injury & Advertising coverage to safeguard their careers fully.

Please visit our modalities covered page here.

Your insurance policy covers you in all 50 United States. US territories, such as Puerto Rico, are not included in the coverage. Countries outside of the United States, such as Canada, are also not included.

Coverage is immediate and your Proof of Insurance will be available in your email within minutes.

Occurrence Form Coverage protects you from claims arising from incidents that happened during your policy period, regardless of when the claim is filed—even after your policy has expired. Widely considered the gold standard in the health and wellness industry, this coverage ensures long-term protection for past incidents. In contrast, a Claims-Made policy only provides coverage if the claim is reported while the policy is active, regardless of when the incident occurred. This means if your policy has lapsed, any claims made afterward won’t be covered.

Absolutely! You can buy a policy now and choose a start date within the next three months. For instance, if you purchase on September 1 but want coverage to begin on October 23, simply choose October 23 as your start date during checkout.

Mobile massage therapists work in constantly changing environments, clients’ homes, offices, and events, which can increase the risk of accidents or misunderstandings. Liability insurance helps protect you from costly claims, whether it’s a client tripping over your equipment or alleging an injury after a session.

Yes, dual practitioners are covered under a single ILMT policy as long as all the modalities you practice are included in our list of over 500 covered modalities. For example, if you are a massage therapist and also do Reiki sessions, you would be covered for both after purchasing an ILMT policy.