InsureLMT Massage Insurance Comparison

See How Leading Insurance Companies Stack Up 

Whenever most of us make any sort of major purchase, and let’s face it most minor purchases too, we usually compare what’s out there for a given product or service. But with massage insurance, comparing programs apples to apples is not always so easy. To help members make the best choice for them and their practice, we have gathered all the information from leading insurance companies and put it all in one spot so you get to see each one side by side. 

We are really confident in our unique program just for massage insurance and hope after you see everything our program offers you too decide to join the hundreds of like minded massage professionals who have rated our program so highly.

How to Compare Massage Insurance Programs

When you are looking at different programs, you need to keep in the back of your mind how your unique situation in the health and wellness industry fits into what each program offers you. Some key attributes that need to make financial sense for you individually are the affordability of the program, the returns you get from investing in the program, and the quality of the product you are receiving.


How to Compare Massage Insurance Programs

When you are looking at different programs, you need to keep in the back of your mind how your unique situation in the health and wellness industry fits into what each program offers you. Some key attributes that need to make financial sense for you individually are the affordability of the program, the returns you get from investing in the program, and the quality of the product you are receiving.

Affordability of Plan

Your massage insurance program absolutely needs to offer great coverage that adequately covers the different types of services you provide. However, it also needs to be affordable. If you can get the same or better coverage for less money, why would you pay more?

Good Return For the Investment

Risk mitigation is a strong selling point for massage insurance, which is in fact the definition of insurance. So how do you differentiate between massage programs all offering a way to transfer risk from yourself to the insurance carrier? Make sure to pay attention to the benefits program and any additional protections or features that are included with the massage insurance program. We’ll highlight these specifically in more detail in our massage insurance comparison below.

Quality of Product

The massage insurance policy with the highest limits in the world is useless if the actual product you receive is of poor quality. The company that services your policy needs to have trained agents ready to provide quick and expert service whenever you need help. From the first stages of the application, through the time you keep an active policy, and even going into after your policy expires, the really great program will stay right with you through every step of your massage career. 


Massage Insurance Comparison Snapshot

We compared some of the best programs available on the market for massage insurance today. The different programs all offer a basic level of insurance coverage and then add on additional protections and/or benefits to make the membership the most attractive as possible for potential members. We looked past all the hype to get down to the nitty gritty for the massage insurance offerings from: American Massage Therapy Association (AMTA), the Associated Bodywork and Massage Professionals (ABMP), and Beauty and Bodywork Insurance (BBI). 

Here’s the leaders from each of the categories we looked at in our comparison:

Best Priced Rates for Both Professionals & Students: InsureLMT

Best Diversity of Coverage Options: InsureLMT

Highest Coverage Limit: $6 Million Individual Annual Aggregate - AMTA & ABMP

Best Massage Insurance Benefits and Perks Program: InsureLMT

Best Massage Insurance Ratings: ABMP

Best Massage Therapy Insurance By Price

Price alone should not be the single determining factor in your purchasing decision but for most of us, it definitely rates pretty highly. As we have discussed, a good policy is a combination of coverage as well as affordability. InsureBodywork has a lower list rate at $96 but reading closer they charge extra fees for many of the protections included with InsureLMT. So for $1 more, you get a slough of additional coverage. Listing a low price but then adding different fees  unfortunately is common within many different massage programs out there. 

Make sure to check for any additional membership fees, fees to add extra massage modalities to your plan, or even added fees when your practice is conducted in certain states. When comparing our offering versus the competition, InsureLMT massage insurance offers great coverage at the best rates seen in this comparison. Starting at just $97 per year for professionals and only $35 a year for students, you get a full suite of massage insurance coverage, with no additional fees or hoops to jump through. 

Best Diversity of Coverage Options in Massage Insurance

Coverage options can be a little tricky. Just looking down a long list of different coverage options may make you feel that a certain plan affords the best level of coverage. This is not always the case and you should always read the fine print for the different options presented. 

For example, both AMTA and ABMP both include rental damage coverage with their policy but then limit the classification of the coverage to only certain forms of damages that may occur. In a world where accidents take many forms, only covering a select few may leave you exposed to significant risk. Both AMTA and ABMP also include stolen equipment coverage but these are optional add ons and require extra fees. Insure Bodywork includes rental damage coverage and stolen equipment but does not offer an identity protection plan with their policy. 

InsureLMT was the only insurance company in this comparison to provide stout insurance coverage (general liability insurance, professional liability insurance, and product liability insurance) in addition to full protection with rental damage coverage, stolen equipment coverage, and an identity protection plan all included at one, flat annual rate. 

Which Massage Insurance has the Highest Coverage Limits?

For General and Professional Liability insurance, all companies compared were exactly even with a $2 million per occurrence limit. The highest limits seen in this comparison were from AMTA and ABMP with a $6 million individual annual aggregate for general, professional, and product liability coverage. The high limits exhibited did have a few strings attached we’ll examine next. 

With AMTA, their limits also included what’s known as a “shared limit”. If you have a shared policy and others in the group submit a bunch of claims before you, you could be left without adequate capacity to pay for your claim that comes later - obviously not an ideal situation! This is why individual annual aggregates are the preferred choice in the massage industry. That way, you know you have the full benefit of the insurance coverage you are paying for and that coverage is there whenever you need to use it.

Also of note is the usefulness of a high limit. Some companies will use super high limits as a selling feature but in reality know most members will never come close to the limit. Limits should be set prudently - providing adequate coverage based on the inherent risks of the industry. At InsureLMT, our limits are based on our unique experience in the massage, health, and wellness fields. Our members enjoy great coverage but never more than what’s actually needed. This way, our plans stay both affordable and effective in their purpose of protecting. 

Best Massage Insurance Benefits and Perks Program

Both ABMP and InsureLMT offer a great many benefits and perks listed. For AMTA and InsureBodywork, no additional benefits are listed in their plan details. Comparing ABMP and InsureLMT, we see great perks like free continuing education, product discounts, a free website, and curated content are all included. However, the biggest difference is the price tag. For ABMP’s “baseline plan” that includes only a limited number of perks, their current listed rate is $199 per year. Comparatively, InsureLMT’s Platinum Plan is almost a full 25% cheaper at only $155 per year.

Best Massage Insurance Ratings

Online ratings can also be somewhat tricky. Many instances have arisen lately showing where reviews have been fake either to artificially hurt or help a company’s ratings.


Massage Insurance Comparison



  AMTA

InsureBodywork

ABMP

InsureLMT

General Liability

$2 Million Per Occurrence

$6 Million Individual Annual Aggregate/$10 Million Shared Limit

$2 Million Per Occurrence

$3 Million Individual Annual Aggregate

$2 Million Per Occurrence

$6 Million Individual Annual Aggregate

$2 Million Per Occurrence

$3 Million Individual Annual Aggregate

Professional Liability

$2 Million Per Occurrence

$6 Million Individual Annual Aggregate/$10 Million Shared Limit

$2 Million Per Occurrence

$3 Million Individual Annual Aggregate

$2 Million Per Occurrence

$6 Million Individual Annual Aggregate

$2 Million Per Occurrence

$3 Million Individual Annual Aggregate

Product Liability

$6 Million Individual Annual Aggregate/$10 Million Shared Limit

$2 Million Individual Annual Aggregat

$6 Million Individual Annual Aggregate

$2 Million Individual Annual Aggregate

Rental Damage

$100,000 (Fire & Water)

$300,000

$100,000 (Fire & Water)

$100,000

Stolen Equipment

No - can add as option for $100

$2,000*$100 deductible

No - can add as option for $95

$1,000*$250 deductible

Identity Protection 

Discount only

No

No

$25,000

Free CE Hours

No

No

Yes

Yes (Platinum)

Annual Cost

$235/year Professional

$89 first-year Graduate Rate

$96/year Professional

$67/year Student

$199/year Professional

$229/year Certified

$97/year Gold

$155/year Platinum

$35/year Student


Massage Insurance Comparison FAQs 

What is the best massage insurance company?

The very best massage company is the one that is right for your unique situation. Remember, cost alone should not be the only factor in your purchasing decision. Examine the affordability of the plan, weighed against the benefits the plan provides you for the investment you make, and then the overall quality of the product you are getting. Great plans will provide strong coverage limits but never more than you need, which helps keep rates lower. They will also be accessible and easy to use from the online application, through the policy term, and even after expiration. At InsureLMT, we designed our massage insurance program just for this industry to provide the greatest individual benefit to the members who entrust us to protect them and their careers.

Why should you compare massage insurance programs?

As with most purchasing decisions, it is usually a good idea to check out at least 2-3 different offerings so you can see how your choice stacks up. We decided to make it a little easier for members-to-be to see everything we offer right alongside what other major competitors are offering. In this way, you have more information to make the best decision for you and your career.

How do you know if your services are covered by massage insurance?

This is a really important consideration when you do your massage insurance comparison. Many companies out there only cover a small group of “core” modalities. Anything outside of this can usually be added, but for an extra fee. InsureLMT provides coverage for more than 350 different massage, health, and wellness modalities so our members have the freedom to employ the very best combination for their clients, and still enjoy full insurance coverage.

Where can I get cheap massage insurance online?

Cheap doesn't always mean a product is less than ideal. At InsureLMT, our program was constructed to be affordable yet incredibly effective insurance for the real world our massage therapists face every day. Starting at just $97, you can enjoy full coverage for you and your career - letting you focus on the right strokes at the right time for your clients and not whether a potential claim might hinder your ability to provide services.

Why is occurrence form the industry choice for massage insurance?

This is definitely a deal breaker when comparing different massage insurance companies. If the company you are considering going with uses claims made versus occurrence form coverage, you may be putting yourself at serious risk. Occurrence form coverage means you get full coverage for any event that happens during the policy term. Claims made says the same thing. So what’s the difference? Claims made stops there, meaning if your policy is expired, you can’t go back and file a claim for an event that  happened during the policy term. Occurrence form is the opposite. If your policy has expired but you need to file a claim for an event that happened during the term, you still have coverage for that event since it happened when the policy was still active.

Does massage insurance cover damages to rental property?

Most massage therapy insurance plans do carry some form of rental damage coverage with their policy but make sure to read the plan thoroughly. Some rental damage coverage is limited to a very select few occurrences and anything outside of that would be excluded from being covered.