Equine Massage Insurance
Like any massage professional, equine massage therapists should have insurance to protect themselves from liability in case of an unexpected injury or damage. NACAMS offers equine massage insurance with professional and general liability protection for less than 2 quarters per day.
24/7 nationwide coverage including for online & telehealth consultations
Occurrence-form coverage, Industry Preferred
Safe and secure online checkout In Minutes
500+ modalities covered including animal massage and animal acupressure.
Select "Massage Therapy" as your profession when checking out
How Much Does Equine Massage Liability Insurance Cost?
NACAMS equine massage insurance coverage offers comprehensive, cost-effective coverage, so you can focus on providing excellent service. Our upfront pricing model allows equine massage therapists to decide what coverage level is best for them.
Select "Massage Therapy" as your profession when checking out
Most Popular
Pro 1 Year
Full Time
$179
Lock in annual rate of $164.50
Pro 2 Year
Full Time
$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!
What Is Equine Massage Therapy?
Equine massage is a type of animal massage therapy that uses hands-on therapy focused on enhancing a horse’s physical well-being by manipulating muscles and soft tissues. This practice helps relieve tension, improve circulation, support mobility, and promote healing from injuries or strain. By addressing areas of discomfort and encouraging relaxation, equine massage contributes to a horse’s overall health, comfort, and performance, whether for athletic conditioning or general wellness.
Why Do Equine Massage Therapists Need Insurance?
Equine massage therapists need insurance to protect themselves while conducting their work. If an injury, property damage in a client's home or other incident occurs, this insurance will cover the legal defense and settlement costs.
NACAMS offers protection for equine massage and over 500 other massage and wellness modalities. We understand numerous accidents can happen during treatment due to the risk of working with animals, but you can be confident you'll be covered with our thorough insurance protection.
Potential liability risks equine massage insurance can shield you from include:
A malpractice claim arises when a licensed professional, like a wellness provider, fails to meet the expected standard of care, causing harm through negligent actions or omissions. A negligence claim involves failing to exercise reasonable care, leading to injury or damage, even outside professional settings. Malpractice is essentially a specialized form of negligence tied to professional duties.
In many environments, there’s a risk of clients slipping, tripping, or falling, potentially resulting in injuries. Liability insurance includes general coverage to protect you if someone gets hurt on your premises or during a session
Liability insurance can help protect wellness professionals if a client experiences an allergic reaction or adverse effect from a product used during a session.
In today's digital era, protecting personal information is crucial. Equine massage liability insurance includes coverage for identity protection, shielding you from the repercussions of identity theft. If your personal information is compromised, resulting in fraudulent activities or financial loss, this coverage provides financial assistance and support to help restore your identity and minimize the associated damages
Equine massage therapists often share their practices and expertise through various platforms, including online channels. If a equine massage therapists statements regarding their methods, training, or services are interpreted as libelous or slanderous by a client, peer, or colleague, liability insurance serves as a safeguard, offering protection against potential legal claims and associated risks.
Disclaimer: Please note that claims involving animals are subject to a maximum sublimit of $5,000
What Does A NACAMS Policy Include?
NACAMS equine massage insurance offers vast coverage under one policy for comprehensive liability coverage for your financial assets, whether you choose a professional or student plan. With 25 years of trust in the fitness and wellness industry, NACAMS customers are the best-protected equine massage insurance in the industry.
Disclaimer: Please note that claims involving animals are subject to a maximum sublimit of $5,000
Included Member Benefits
But wait, there's more! With NACAMS, you get access to exclusive member benefits that will make your journey even more rewarding.
Portable Coverage
Plus, our student insurance covers you not only during your school activities but also during in-clinic and outreach programs. It's like having a safety net supporting you every step of the way.
Immediate Annual Policy
In under 5 minutes, purchase a policy at $179 once per year to protect your financial and personal assets.
Get Insured in Under 5 Minutes!
*Select "Massage Therapy" as your profession when checking out
What Is The Difference Between Claims Made And Occurrence Form Coverage ?
Understanding occurrence and claims made coverage can significantly impact how and when you're able to report a claim on your liability insurance. Understanding the nuances of each type can help you make an informed decision about which is right for you.
What is Claims Made Coverage?
Claims made coverage allows you to report claims only while your policy is active. This means if an incident occurs within the policy period, you must also report the claim while the policy is in force. For example, if you let your policy lapse and months later face a lawsuit for an event during the coverage period, the policy won't cover you unless you’ve purchased an Extended Reporting Endorsement, commonly referred to as "Tail Coverage." This endorsement allows you to file claims even after the policy has expired, offering some additional protection.
What is Occurrence Coverage?
Occurrence form coverage provides a broader scope of protection. It covers any incidents that happen during the policy period, regardless of when the claim is filed. This means you're protected for incidents that arise while the policy is active, even if they are reported years later. Essentially, it includes built-in tail coverage, offering peace of mind without the need for an extra purchase.
Key Considerations for Choosing Coverage:
- Claims Reporting: Consider how likely it is for claims to be reported after the policy period ends. If your profession is prone to delayed claims, occurrence coverage might be more suitable.
- Policy Costs: Typically, claims made coverage starts cheaper but can grow more expensive over time, especially with tail coverage. Occurrence policies often have a consistent premium, reflecting their extended protection.
- Long-term Needs: If you anticipate business changes, like retiring or switching professions, occurrence policies might provide more long-term security without needing to manage additional endorsements.
NACAMS liability insurance policy is occurrence form, the industry's top choice for long term peace of mind.
*Select "Massage Therapy" as your profession when checking out
Over 500+ Services Included
NACAMS covers over 500 modalities under one policy, making out liability insurance the most comprehensive & affordable on the market. If you've learned a new skill, there's no need to get a new policy because it’s likely already covered. In fact, we encourage our members to broaden their horizons and take on new skills and endeavors.
Purchase Insurance Coverage Today
NACAMS is the industry's trusted provider of equine massage insurance for general liability and protection for other incidents. Equine massage therapists and other wellness professionals trust us, which is why we have an excellent rating on the independent review site Trustpilot. Our comprehensive coverage is available at a low monthly price. Buy a policy.
Frequently Asked Questions
During your coursework, incidents can happen that make you liable. Protect yourself from financial risk with our student plans, which offer the same coverage as our professional policies at a lower rate.
If the professional is found liable for the injury or damages that the claim states, your policy will cover the fees and damages as long as it's is within the scope of our coverage limits.
The exact cost of your equine massage insurance plan depends on whether you choose our student or pro policies. The student plan covers one year, and we have plans for full-time equine massage therapists that cover one or two years.
This accounts for the level of risk associated with working on and with animals.