Massage Therapy Insurance

That depends on who your carrier is. NACAMS knows massage therapy often involves using two or more different techniques during a session. You may start with elements of a Swedish massage as a stress relief and then move on into a deep tissue to really work a muscle knot your client mentioned was bothering them. 

Right on our massage liability insurance page i.e. this one, you can see a comparison of our program right against the competition. We are really confident in our program and believe once you see everything we offer, at the incredible rates which we offer them at, you too will join the hundreds of fellow massage therapists that rated us as “excellent” on TrustPilot’s independent platform. 

TrustPilot is also a great way to compare different programs and we encourage you to definitely do your homework before making an informed decision. TrustPilot independently solicits the reviews given by actual users of a product and then posts them on their site. In that way, what you read is a completely unbiased and unblemished account. Definitely a much better indicator of others’ experience over fake online reviews or companies only posting the good reviews on their site.

Massage therapy is well, hands on therapy for most modalities unless you are a Reiki practitioner (don’t feel left out, we cover that too!). With any sort of massage therapy there are many different situations that can arise in the course of your career where an accident, an unforeseen event, or just a disgruntled client brings about causing a claim to be leveled against you. 

Massage liability insurance gives you a buffer from having to pay out of your own pocket when another party holds you responsible for the injuries, damage to property, or even lost wages. Professional liability insurance from NACAMS provides $2 million for each occurrence and $3 million per member in total annually.

Of course. There are many options out there for getting massage insurance. The better question is, “what is the best insurance for me?”. NACAMS knows massage and alternative medicine because that’s who we are. Our insurance is tailored just to professionals in health and wellness. 

We wanted to create an accessible program that provides great coverage, but does so at a price our members can afford. Our massage insurance program does that with great coverage limits, low rates, and a plethora of awesome member benefits all included.

Yes indeed and you’ve come to the right place. NACAMS massage insurance is made just for professional massage therapists as well as students studying to become future LMTs. We help professionals cover themselves in the event an unforeseen event occurs at some point in your career. 

We have several options to choose the best path for you and your practice within our comprehensive massage therapy insurance program:

• Professional Rate for Insurance Plus: $179 per year
• Student Rate for Insurance Plus: $60 per year
• Adding Additional Businesses: $10 per business, per year or $30 per year for unlimited businesses

With NACAMS you definitely can get massage liability insurance coverage while still in school. In fact, it’s probably one of the smartest things you can do to help you in your new career. Our student rate is deeply discounted to make it a no brainer for students practicing to become licensed therapists. For just $60, you get a full year of coverage with all the bells and whistles of our professional policies. 

Yes you can and you definitely should. Your studio owner’s policy may not provide very much coverage and many claims are leveled against both the studio and the individual therapist. Having your own comprehensive insurance for just $179 per year means you get the peace of mind knowing you have your own individual limits of $2 million per occurrence and $3 million annually for general and professional liability.

Many insurance programs pool your claim with a group of others and will set a group limit. So, if multiple members of the group have claims in a given year, the remainder of the limit may not be adequate to cover you fully in the event of a claim. With NACAMS, your policy is 100% your own. You alone get all the way up to $2 million for each occurrence and you alone get up to $3 million in total per year (this is called an annual aggregate).

Massage therapy insurance is a unique program because massage is a very much hands on occupation. This close proximity to clients that are coming in with different levels of health, provides many opportunities for accidents and mishaps to occur. A terribly mundane, but all-too-real claim event occured when a client accidentally rolled off the massage table and held the therapist liable for their injuries. Accidents like these occur every day and just by offering services, you are opening yourself up to the possibility of one day facing a claim against you. The three pillars of massage insurance are: general liability, professional liability, and product liability. 

• General liability insurance: provides protection from claims for injury and/or property damage that occurred on your premises.
• Professional liability insurance: provides coverage for claims against the massage services you provide and any injury or damages that allegedly happened as a result.
• Product liability insurance: important coverage providing protection against claims related to an adverse allergic reaction a client may have to a product. Simply rubbing on a massage lotion that induces a bad reaction could very well have a client holding you responsible for their mountains of medical bills.

We didn’t want to leave a single gap in our coverage for massage therapists so also include additional protection mechanisms like an Identity Protection Plan.

With NACAMS you don’t have to do anything. Your massage therapy insurance program through us enjoys what’s known as “full portability”. In insurance speak, this means you can provide therapy sessions at conferences, move your practice across state lines, offer mobile massage therapy, or anywhere else you can think to offer services within the 50 states and still have complete coverage. Now, your license is completely separate from our massage insurance program and you need to take the appropriate steps to get properly licensed to perform services in your new digs. We cannot cover any services that you are not legally permitted to perform.

It may go without saying but the best massage therapy insurance will be the one that’s right for you. That means it adequately provides coverage for your unique therapy offering, does so at a competitive rate, and remains accessible when you actually need to use it. The comparison grid we outlined above shows we do just this and more. The NACAMS difference is that we know this industry because that’s where we’ve always been. We’ll help shoulder the financial burden of accidents and other mishaps so you can focus on providing great therapy to your clients.

With NACAMS, we have a $5 handling fee. 

Massage insurance is protection for your career from the risk of the unknown. At its very core, a massage therapy insurance policy is a contract between you and your insurance provider. The policy says exactly what is covered, how much coverage you have, and all the additional terms that define your insurance plan. What massage insurance does is protect policyholders from different forms of risks present in health and wellness. Car insurance protects you in car accidents, home insurance helps cover repair costs if your home is damaged, and massage insurance protects you professionally from accidents and mishaps. 

Professional, general, and product liability are three of the most common types of risks for massage therapists which is why these coverage areas generally have larger limits. NACAMS includes these three pillars of protection and takes it a step further to provide 360 degrees of coverage. 

In as little as a few minutes, you can get the all-inclusive massage therapist insurance coverage that will provide ultimate protection and active confidence in your career. Keep yourself and your career safe with massage insurance from NACAMS—we make it simple and affordable to get the coverage you need. Get insured today and let NACAMS protect you and your profession with massage therapy liability insurance.