NACAMS vs AMTA Insurance

About AMTA

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.

Massage Therapy Liability Insurance

Along with a membership to the association, AMTA provides their members with massage therapy liability insurance. Their insurance provides professional and general liability coverage, along with product liability and personal injury.  With this coverage, AMTA also offers benefits to its members including discounts on CEs and other massage related products, exam study guides, and marketing tools. AMTA also provides a free subscription to Massage Therapy Journal, a quarterly publication. To become a member of the association, a professional massage therapist must have completed a minimum 500 in-class hours from a massage therapy school, have proof of massage license and have a certification from the National Certification Board for Therapeutic Massage and Bodywork.

How AMTA Insurance Compares to NACAMS

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.