Reflexologists Liability Insurance
Guard all of your Massage services with unrivaled liability insurance.
What is a Reflexology Massage?
Reflexology applies pressure to areas on the hands, feet, and ears. The underlying premise is that these areas correspond to specific internal organs, bones or systems of the body. Therefore, practitioners are able to treat internal health complications by applying pressure to said areas, known as reflex points or zones. Similar to acupressure, this treatment of the reflex zones is said to stimulate the body’s life force energy or chi. However, the reflex points utilized in this modality differ from the acupoints and meridians outlined in Asian Bodywork techniques. In order to systemize this theory, reflexologists developed a reflex map, which divides the body into ten vertical zones (five on each side). All of the zones are connected by nerve endings that carry electrical impulses and energy throughout the body.
Reflexology 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!
Reflexology Massage History
Reflexology appears to have originated from ancient Egypt, circa 2300 B.C., as substantiated by illustrations found in a physician’s tomb. The contemporary practice, also known as zone therapy, was founded by William H. Fitzgerald, M.D. In the early twentieth century, Fitzgerald, an American E.N.T. surgeon, employed aspects of zone therapy to his patients in order to numb regions of the body before surgery. Soon thereafter, he wrote the well-known guide Zone Therapy. Additional pioneers include Joe S. Riley, M.D., and his wife, Elizabeth A. Riley.
In more recent years, Eunice Ingham conducted research to extrapolate the methods of her predecessors. She performed case studies and carefully mapped out the reflex zones, detailing her findings in the books Stories The Feet Can Tell. Today, Ingham is considered the founder of the discipline in its contemporary form.
Health Benefits Of Reflexology Massages
Reflexology is known to alleviate pain, improve circulation, promote healing and normalize functions of the organs, muscles and other systems of the body. The applied pressure helps release build-ups of tension, unblocking nerve impulses and increasing circulation of blood throughout the body. It also produces numerous mental benefits, such as increased energy and decreased stress, anxiety, and depression. While massage therapy typically aims at relaxing the connective tissue or muscles, zone therapy aims at relaxing all systems of the body, including the glands, organs, bones and muscles. It is a mind-body practice, which provides mental and physical stability to individuals all over the world.
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.
We have a one-of-a-kind massage insurance program that blends great coverage with great rates. For only $179 per year you get the peace of mind of full coverage for general and professional liability.
A really unique aspect of our program compared to other insurance carriers out there is that we provide coverage for over 500 different modalities, all included at no extra cost. Many programs only cover a limited few modalities then upcharge members if they want to add an additional covered service to their policy. We cover the majority of popular services in use today because we know that the perfect sessions often requires incorporating multiple techniques.
When comparing your options, remember this policy should be the best massage insurance for you and your needs. NACAMS is the best massage therapy insurance due to our comprehensive and affordable model. With a few clicks you can be insured today at one of the lowest rates in the industry. We have have insured over 60,000 professionals in the wellness industry and want to continue to protect massage therapists.
Massage students in training still opening themselves up to liability should an unforeseen event occur while providing hands on services. While the possibility for this is less during your student training than as a professional, all it takes is one event to possibly sideline an entire career. We provide all of the same coverage limits, protections, and benefits of our professional policies to students at the discounted rate of only $60 a year.
With our professional massage insurance policy, members enjoy full portability. 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.
NACAMS massage insurance membership includes full portability which means you get coverage no matter where you decide to provide services within all 50 states. If you teach at 2 different massage studios part-time you would be covered at both with our insurance.
In 18 of of 50 states massage liability insurance is a requirement to keep an active license. Please follow your state's law in order for you to legally practice massage. If you are located in a state that does not require insurance, we strongly recommend you still purchase liability insurance to protect your hard-earned financial assets. It only takes one second for an accident to occur, don't get caught unprotected.
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 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.
General liability (slip and fall) provides members with coverage for third party claims of injury while professional liability (malpractice) provides coverage for claims relating to the services you provided to a client. NACAMS massage liability insurance provides $2 million for each occurrence and a $3 million annual aggregate.
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 is all included in our plans as part of an effective risk management strategy.
One of the worst shocks you can experience is to think you are covered by your massage insurance only for them to say that the unique services you provide aren’t actually covered under the policy. Our policies provide coverage for hundreds of different health and wellness services so members can focus on providing a great experience to their students rather than if a given service is covered or not.