I’ve been a massage therapist for over 30 years, and I’ve researched the best options for professional massage insurance. Below, you’ll find clear, easy-to-read comparison charts divided into two categories:
- Providers that offer just insurance with no frills.
- Providers that include extra benefits like CE courses and industry discounts.
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Chart 1: Providers Offering Straightforward Coverage
If you’re looking for no-frills liability insurance, these providers focus solely on affordable, reliable protection:
| Insurance Provider | Annual Cost | Coverage Type | Coverage Amount | Student Coverage | Affiliate Link |
|---|---|---|---|---|---|
| InsureLMT | $94 | Occurrence-Based | $2M per occurrence | Yes | Get InsureLMT |
| Insure Bodywork (BBI) | $96 | Claims-Made | $2M per occurrence | Yes | Get BBI |
| American Massage Council (AMC) | $159 | Occurrence-Based | $2M per occurrence | No | Get AMC |
Key Takeaways:
- InsureLMT is the most affordable with an occurrence-based policy, which provides long-term coverage even after the policy ends.
- BBI has a slightly higher cost but offers reliable claims-made coverage and higher coverage product liability coverage.
Chart 2: Providers Offering Extra Benefits
If you’re interested in additional perks like CE courses or industry discounts, these providers bundle extra value into their policies:
| Insurance Provider | Annual Cost | Coverage Type | Coverage Amount | Notable Extras | Affiliate Link |
|---|---|---|---|---|---|
| Massage Magazine Insurance Plus (MMIP) | $169 | Occurrence-Based | $3M per occurrence | Unlimited free CE courses, wellness discounts | Get MMIP |
| Hands On Trade Association | $159 | Occurrence-Based | $2M per occurrence | Business tools and rental agreement forms | Get Hands On Trade |
| NACAMS | $179 | Occurrence-Based | $2M per occurrence | Equipment insurance, marketing tools | Get NACAMS |
| Alternative Balance | $269 | Occurrence-Based | $3M per occurrence | Cyber liability insurance and life coaching | Get Alternative Balance |
| ABMP | $199 | Occurrence-Based | $2M per occurrence | Business resources, free CE courses | Get ABMP |
| NAMASTA | $204.99 | Occurrence-Based | $2M per occurrence | Yoga and wellness coverage included | Get NAMASTA |
| AMTA | $235 | Occurrence-Based | $1M per occurrence | Advocacy, free CE courses | Get AMTA |
Key Takeaways:
- MMIP stands out for its unlimited free CE courses and wellness discounts, making it great for ongoing education.
- Alternative Balance is unique for offering cyber liability coverage and life coaching.
- AMTA and ABMP provide strong member advocacy and professional resources.
Claims-Made vs. Occurrence-Based Policies
Occurrence-Based Policies: Cover incidents that happened while the policy was active, even if the claim is made after the policy ends.
Claims-Made Policies: Cover incidents only if the claim is made while the policy is active.
For long-term peace of mind, an occurrence-based policy is often more reliable. If you choose a claims-made policy, make sure you renew consistently to avoid gaps in coverage.
Best Massage Insurance Policy Highlights
- For Basic Coverage:
- InsureLMT or BBI stand out for affordable, straightforward insurance.
- For Extra Benefits:
- MMIP has unlimited CE courses and a lot of discounts.
- Alternative Balance has cyber liability and free life coaching.
- For Advocacy and Resources:
- Consider AMTA or ABMP for their member benefits and professional resources.
Your Professional Massage Insurance
Whether you’re a new massage therapist or a seasoned professional, having the right insurance is critical. Check out my cheap massage insurance guide for a deeper into all 10 insurance providers covered in this article.
If you have questions about professional massage insurance, feel free to contact me at mark@makethemostofmassage.com. I’m here to help!
