About The Company

The National Association of Complementary and Alternative Medicines (NACAMS) founded in 2005 serves health, wellness, and beauty professionals by offering comprehensive liability insurance and practice support. NACAMS does not certify or register professionals or schools. Instead, we offer the industry preferred and affordable insurance options.

In 2019 NACAMS was acquired by Arthur J Gallagher, the 3rd largest brokerage in the world allowing us to grow and enhance our services.

As the largest non-profit association for professional massage therapists, The American Massage Therapy Association, also known as AMTA, has been serving massage therapists, massage students and massage schools for 75 years. Because it is run by a volunteer-led Board of Directors elected by members at the national and chapter levels, it is a trusted name in the massage industry. AMTA prides themselves in their core values: diversity, integrity, respect and dignity; member-driven organization; consistency in education; professional standards; and promoting benefits of massage therapy validated by research.

Coverage Limits

Professional and general liability insurance are included in the NACAMS membership. Sometimes companies will separate these types of liability insurance requiring the customer to choose one or the other or both for an additional cost. 

• Professional & General Liability Insurance: $2 million per occurrence; $3 million individual annual aggregate
• Personal Injury & Advertising Coverage: $2 million individual aggregate
• Identity Protection Coverage: $25,000

Policy limits were chosen based on what industry professionals need. 

Their insurance company has an online application process, and their program is affiliated with the HPSO Insurance company. They offer similar coverage to other companies in the massage therapist liability insurance space. To learn more about how this insurance company compares specifically to NACAMS Insurance Plus, we’re providing a closer look at each company below to provide you with a quick comparison for your massage therapist liability insurance research. You can also see a quick and easy comparison grid below to see the differences in coverage at a glance. Insurance and membership for AMTA cost $235 annually, which includes the membership fee. NACAMS Insurance Plus is as low as $179 per year in comparison and does not charge a membership fee. NACAMS does not have an hour requirement and does not require a certification to become insured. Both companies provide professional and general liability insurance at $2 million per occurrence. However, AMTA provides a $6 Million individual aggregate per year that is part of a $10 million shared limit. This means that the $10 million is shared with every member of AMTA that is insured with the company. When that money runs out for the year, you may not be covered. With NACAMS, you are covered with a $3 million aggregate limit for the year, which is your personal limit and is not shared with anyone else.

NACAMS Insurance Plus also offers a student rate of $25, where AMTA offers an $89 first year graduate membership. Both programs provide $100,000 in rental damage – which most other companies offer alongside their insurance policies. NACAMS Insurance Plus also provides $1,000 in stolen equipment coverage – an offering unique to NACAMS Insurance Plus.

Policy Type

We are occurrence form coverage meaning you are covered after your policy expires as long as the incident occurred while your policy was active. 

AMTA Insurance is also occurrence form coverage.

Customer Service & Reviews

We strongly feel a customer's experience is the most important aspect of purchasing insurance. That is why we prioritize a seamless process with as little roadblocks as possible to get insured. Our customer support team is U.S. based and happy to assist you with any questions to make sure you get the peace of mind you need to feel confident. 

We are rated Excellent on independent review site, Trustpilot and 5 stars on Google Reviews.

AMTA Insurance is rated Good (4.7) on independent review site, Trustpilot.

Extras / Benefits

When you choose NACAMS, you are also choosing to be apart of a wider network which includes extra benefits for no additional cost. Once you have purchased you gain access to our exclusive benefits which include a free website, access to our Health Insurance Marketplace, discounts on larger expenses like hotels, rental cars, and even a free month of online mental health counseling. 

Very few membership benefits are included when purchasing an AMTA Insurance membership.

Price

The reason why NACAMS is the best choice for liability insurance is our all-inclusive membership model with one low annual price that encompasses all limits & benefits. Choose the one that best fits your need and get insured in the same day.

• One Year Student: $60
• One Year Pro: $179
• Two Year Pro: $329

You only need to purchase the student rate one day before you receive your certificate to qualify. 

AMTA Insurance has a $235 annual fee for its policy.