Insurance—a word that makes us want to get a massage, right? But, as a massage therapists we know liability insurance is essential for protecting our livelihoods. And among the various options available, InsureLMT is the most affordable choice on the market.
While this article highlights InsureLMT’s key benefits and potential drawbacks, it’s not an endorsement—just a balanced look at what this provider offers. Also, at the end of this article is a link to a cost/services comparison guide for the 10 established insurance providers in the massage field so that you can make an informed decision.
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Why InsureLMT?
At its core, InsureLMT delivers the basics without overcomplicating things. If you’re just starting out or aiming to keep overhead low, this provider may be the right fit for your needs.
Key Highlights of InsureLMT
- Low Cost
Let’s get right to the point—InsureLMT is the most affordable liability insurance for massage therapists. This competitive pricing makes it a great choice for new therapists or anyone working to keep expenses in check.- Savings Tip: If you purchase a two-year policy, you can save even more. Bundling years together gives you peace of mind while putting extra dollars back in your pocket.
- Comprehensive Coverage
InsureLMT keeps it simple and effective. Their policies include:- General Liability: Coverage for accidents like slips and falls.
- Professional Liability: Protection against claims of negligence or malpractice.
- Product Liability: Coverage for products used during your sessions.
With these essentials, you’re covered in all the right places.
- Streamlined Process
InsureLMT’s application process is quick and straightforward. Policies can be purchased online, and you’ll receive immediate proof of insurance. If you’re busy, this no-hassle approach is a definite plus.
A Potential Drawback
While affordability is InsureLMT’s key selling point, its budget-friendly approach does have trade-offs. InsureLMT doesn’t offer add-on resources like some of the higher-priced competitors.
If having access to additional resources support is important to you, search for free resources like this blog and SCORE. That said, if community and extra resources in one place are important to you, you will be better off purchasing your insurance through associations and groups like ABMP, AMTA or Alternative Balance.
Is InsureLMT Right for You?
If cost is your number one concern, you can’t go wrong with InsureLMT. (InsureBodywork is a competitor with similar pricing. More about that below.)
If you want perks and support, you’ll have to find it yourself if you go with InsureLMT or you should go with an insurance provider that offers perks.
Compare and Decide
When choosing an insurance provider, it’s essential to look at the bigger picture. Here’s how InsureLMT stacks up:
- Massage Magazine Insurance Plus (MMIP): More expensive but offers free online CEUs.
- InsureBodywork: $2 more than InsureLMT and offers monthly payment option for slightly more than their annual price.
- ABMP (Associated Bodywork & Massage Professionals): Comprehensive coverage with extensive member benefits—but at a premium price.
- Alternative Balance Insurance: Community-focused but more expensive. Alternative Balance provides tools and networking opportunities.
For a deeper dive into these comparisons, check out my article on Cheap Massage Insurance. If you have any questions, let me know (mark@makethemostofmassage.com)!
