Deep Tissue Massage Insurance
Guard all of your massage services with unrivaled liability insurance.
What is a Deep Tissue Massage?
The term “deep tissue” refers to the system of connective tissue supporting and connecting the soft-tissue structures of the body, also called fascia. Deep-tissue massage is a manipulative therapy centered on treatment of said connective tissues and muscles. Often called connective-tissue massage (CTM), it aims at releasing tension and relieving pain from deep within the tissue in order to trigger healing in the internal organs.
This system of bodywork is grounded in the belief that changes in the superficial tissues (i.e., increased muscle tone, changed interstitial fluid in the tissues, hypersensitivity to touch) are indicative of dysfunctions in the deep tissues; these interactions are provoked by the body’s neural reflexes.[i] In utilizing deep-tissue techniques, then, massage therapists manipulate the surface of the body to stimulate reactions deep within the body.
To address specific dysfunctions, the body is divided into several reflex zones, each of which corresponds to an internal organ. Because of this, the client must be thoroughly consulted and examined before their treatment. Practitioners observe changes in the connective tissue, identify the reflex zone wherein the changes have occurred, and then treat that zone to improve the function of its corresponding organ. To execute the massage, they apply firm pressure to the affected areas of the body with the fingertips and palms in the form of gliding and cutting strokes. Additional techniques involve pulling and stretching the skin to soften the connective tissue.
Deep Tissue Massage Liability Insurance
While massage therapists make every effort to provide safe services & environments, accidents still happen. It is imperative that your massage liability insurance provides the two most important kinds of coverage: professional and general liability.
Most Popular
Pro 1 Year
Just $0.49/Day
$179
Annual rate of $164.50
Pro 2 Year
Just $0.45/Day
$329
Save 66%
STUDENT 1 Year
One Time Only*
$60
*Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first certification program. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their program, and that policy is good for the next 364 days, even if you are providing services full-time!
Deep Tissue Massage History
The historical roots of deep-tissue techniques are somewhat uncertain. Some claim this touch therapy was first used in ancient Egypt, while others believe its origins to be much less prehistoric. Regardless of its ancestry, however, experts agree that the modern incarnation of CTM was pioneered by Elizabeth Dicke, a German physiotherapist, in 1928. While suffering from a circulatory dysfunction in her right leg, Dicke performed deep-tissue techniques on herself, and when her circulation successfully improved, she began conducting research on her methods.[ii]
In 1989, John Latz, another prominent pioneer of CTM, attempted to optimize preceding methods of treatment by delineating five underlying principles of deep-tissue therapy:
- Leaning controlled body weight into the client
- Maintaining alignment
- Movement through the alignment
- Using oblique angles of contact
- Contacting with soft and relaxed hands and body.[iii]
Latz founded the Institute for Structural Integration (ISI) in 1992, after receiving advanced certification in massage therapy from the Rolf Institute. He is often credited as a developer of the deep-tissue technique.
NACAMS massage therapists' liability insurance is the most competitive rate in the industry at $179/year.
Health Benefits Of Deep Tissue Massages
The most apparent health benefit resulting from deep-tissue massage therapy is the alleviation of chronic pain and tension. This includes pain associated with sports-related injuries, arthritis, fibromyalgia, carpal tunnel syndrome, sciatica and other musculoskeletal conditions. Deep-tissue massage also results in improved posture and increased flexibility. Individuals suffering from restricted mobility may experience an extended range of motion.
NACAMS Liability Coverage Details
General Liability Insurance
This type of insurance, also known as “slip and fall” insurance, covers you if someone slips and suffers an injury. This type of accident can happen anytime, anywhere, and any business that allows a customer on the property is a candidate for such a claim.
Professional Liability Insurance
If a student claims you gave incorrect instructions or over-corrected a student’s posture in a pose – then professional aka malpractice insurance would protect you.
Professional liability insurance can save you thousands in medical and legal fees.
Liability risks liability insurance can shield you from include:
Massage therapists can be held accountable for professional negligence or malpractice. Professional and general liability insurance can help cover legal expenses and potential settlements in these situations.
There's a risk of clients slipping, tripping, or falling, which can result in injuries. Liability insurance offers general liability coverage to protect against legal and financial repercussions if a client is injured during such incidents while under your care
If a client suffers adverse effects from treatments or product recommendations, such as essential oils or incense. This coverage can help manage the legal and financial implications of such incidents.
If your personal information is compromised, leading to fraudulent activities or financial loss, this coverage provides financial assistance and support to restore your identity and mitigate damage
If a teacher's statements about a student is perceived as defamatory by a client, fellow student, or instructor, liability insurance can provide protection against potential legal claims.
Popular Massage Disciplines We Cover
In addition to the massage therapy, NACAMS also provides protection for wellness practitioners who offer services like sound healing, massage therapy, yoga therapy, crystal healing and more. Explore all of our covered massage disciplines.
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Massage Insurance FAQs
Do you have questions about insurance? Or maybe questions about the coverages, details, and benefits offered by NACAMS massage liability insurance? We’re here to help. Take a look at some of the most frequently asked questions.
Liability insurance is actually less expensive than most insurance products on the market. For only $179 per year, you get the peace of mind of full coverage for general and professional liability.
We provide coverage for over 500 different modalities, all included at no extra cost. Many programs only cover a limited number of modalities, and then upcharge members if they want to add a covered service to their policy. We cover the majority of popular services in use today because we know that the perfect sessions often require incorporating multiple techniques.
For just $60/YR, massage students can get a policy that includes the same coverage levels as the pro policy. While the possibility of incidents is less during your student training than as a professional, all it takes is one event to possibly sideline an entire career.
Yes, even if you change your job or move to another state, your coverage will follow you as long as you still meet the requirements to perform services as issued by your new locale.
Yes, if you teach at more than one massage studio, you would be covered at all with our insurance.
Occurrence form coverage says that it doesn’t matter if you file a claim after your policy expires for a claim event that happened during the time when the policy was active - the claim is still covered. NACAMS gives you a full two years after your policy has expired to report a claim.
Claims made coverage is the opposite - it says if the policy is expired, no claims will be covered even if the event occurred at a time when the policy was indeed active. Occurrence form coverage is employed in our insurance membership and is the industry-preferred option.
Massage liability insurance needs to provide an adequate level of coverage based on the risks inherent to the health and wellness industry. NACAMS is a recognized leader in deep tissue massage and alternative medicine and so designed our program to provide appropriate levels of coverage but still be affordable for our members. With that, we provide $2 million for each occurrence and $3 million in total for each policyholder per year in professional and general liability coverage. We also include $2 million in product liability coverage. We find these limits to be well suited for the industry.
Our policies comes with many different benefits included at no extra fee. Members get a free professional website, access to our Health Insurance Marketplace, and discounts on everyday expenses like shipping, rental cars, hotels, pet insurance, and more.
While general and professional liability coverage may cover the bulk of liabilities faced, without a few additional layers of protection, key areas could still present great risks to a professional. An identity protection plan ($25,0000) is also included in our plans as part of an effective risk management strategy.