All but a limited few massage therapies out there require hands on therapy. Hands on means you are putting the health and safety of your client literally in your hands. Massage therapy insurance provides professionals with a low cost tool for defending themselves should an event ever occur which results in a claim against them.

At InsureLMT, we have seen claims that occurred in the most mundane ways. Whether it’s a client that rolls off your massage bed and injures themselves or a client that asserts your touch was too rough and left them with lasting injuries. Our affordable plans give professionals peace of mind knowing they have some of the best protections available on the market today.

We offer two really affordable plans to give our members the ability to choose the coverage amount that’s right for them. Our Gold Plan combines a great suite of different coverage options and has additional protections built in all for only $97 per year for professionals. Our Platinum Plan has all of these same protections but also includes identity protection, a free professionally designed website and access to unlimited online continuing education classes. This plan’s pricing is currently $155 per year.

At a minimum, massage therapists need general and professional liability with good coverage limits. This will help cover the costs of claims related to your business premises as well as the services you provide. However, this still leaves you vulnerable. Our insurance plans are both affordable and offer great coverage which includes both general and professional liability in addition to a host of other coverages and additional protection vehicles. Even better, as soon as you sign up with our Platinum plan, you’ll receive unlimited access to online continuing education courses and a free professional website to promote your business.

Absolutely. Our massage therapist insurance product comes with portable coverage. Portability means the coverage applies anywhere you may work or move to in the U.S., as long as you are following the guidelines within the state in which you practice. This applies to just about anywhere you can think of to provide services - from mobile massage therapists operating out of client’s homes, home-based therapists, or working in a spa like setting.

State boards differ in their requirements for licensure. Some states will require you to have proof of insurance while others may not. But even if a state board does not require it, your municipal authority, landlord, or other governing authorities may require you to have insurance. Always be sure you know the requirements for your local jurisdiction prior to offering services. Not sure given your situation? Our licensed agents are available to answer all of your questions.

Yes. We are only able to offer insurance protection to members who have the proper credentialing/licensing in the state or locale in which they operate.

Definitely. A massage table can be one of the most expensive tools a mobile massage therapist needs in order to offer services anywhere it is convenient. With tables running in the hundreds of dollars, having yours stolen could put a serious strain on your ability to offer services. That’s why we include stolen equipment coverage as an ancillary protection with our massage insurance program. If your equipment is stolen, you’ll receive up to $1,000 with a $250 deductible to help cover the costs.

At only $155 per year, our Platinum Plan provides excellent coverage for a massage therapist and also grants instant access to exclusive member benefits like unlimited online continuing education classes and a free professionally designed website.

Under general liability, you are covered for third party claims related to bodily injury or property damage. Third party means an entity other than yourself or the insurance company so this wouldn’t apply to damages to your own property. Rather, this coverage would apply to a claim against you for damage to someone else’s property. With our massage insurance plan, you receive all the way up to $2 Million per occurrence for claims related to general liability like third party property damage. Still have a question about property damage? Talk to an agent now.

Really the best time to get insured is while you are still in school to become a massage therapist. Even while in school, student therapists can be confronted with liabilities that without insurance could sideline a career before it even begins. Our student policy is only $35 per year to give students an option for great coverage at a rate they can afford. It is a great option to time getting your coverage until you are well into or nearing the completion of your program. That way, you can cover some of the first few months on the job when you are still learning a new system.

Our General and Professional liability coverage includes an amount called an individual annual aggregate. Aggregate means total. So, the $3 million that is included as an individual annual aggregate in our program means members have a limit of up to $3 million total for all claims in a year.

Yes you can. Our massage therapy insurance includes what is known as an occurrence form policy. Occurrence form covers claims that are filed even after a policy is expired just so long as your claim event happened when the policy was actually still active. Some carriers out there use claims-made which means they will not typically honor claims made after the policy expires.

Our massage insurance program provides the following coverage limits:

• General and professional liability: up to $2 million for each occurrence and up to $3 million as an individual annual aggregate.
• Products liability: up to $2 million
• Rental damage coverage: up to $100,000
• Stolen equipment coverage: up to $1000 with a $250 deductible
• Identity protection plan: up to $25,000 in identity recovery services

Absolutely. Many therapists rent space either inside of a spa like setting or as their own massage suite. Your lease with your landlord probably spells out property damages but even if not your landlord can still hold you liable for any damages to the space that occurs while you are occupying it. Our insurance program provides up to $100,000 to cover the cost of repairs to rented property. 

Consider this quick example - you are moving your massage table into the space when you accidentally hit the wall with the edge of the table and punch a small hole in the drywall. Your landlord says you are responsible for damages so you must find a professional to come fix the drywall and then another to come paint the wall to put it back in its original condition. Between the two, your bills for repair runs in the hundreds of dollars. Without rental damage coverage, this amount could be coming out of your bank account.

Product liability coverage is important for massage therapists since therapy often involves using different products on or around your client. All it takes is a client having an allergic reaction to your massage oil, lotion, or some type of cleaner you used and your client could require expensive medical treatment which they then say you are responsible for paying for. Our massage therapy insurance program provides all the way up to $2 million for claims related to product liability.

Easy! There are many instances where adding an additional insured is necessary. In fact, many landlords will require you to add them as an additional insured before you move in. Whatever the case, we make the process easy. Simply fill out the quick online application and our insurance specialists will review, finalize, and add the additional insured to your policy.

We know that many therapists like to use multiple techniques in order to provide the best session for a client’s unique needs. That’s why we include more than 350 of the most popular services among our massage insurance program’s covered modalities list.