NACAMS Professional Policy for Massage Therapists |
Professional & General Liability Insurance: $2 million per occurrence, $3 million individual annual aggregate Product Coverage: $2 million Rental Damage Insurance: $100,000 Identity Protection Plan Stolen Equipment Coverage: $1,000* |
PLUS Free Professional Website and Exclusive Member Discounts |
Instant Coverage in minutes! |
$179 |
GET COVERED |
Massage Therapy Insurance
Accidents Can Happen
When you get in your car to drive, whether you are running an errand to a grocery store five minutes away or taking a road trip to another state, there is always the chance that an accident may happen. One could argue that the chances of an accident taking place are higher for the road trip than the short drive over to the grocery store, but the bottom line remains that an accident could happen any time you are driving, no matter how short or long the trip.
Thinking about this possibility, it is almost a wonder that any of us get out on the road in the first place. However, most people have come to realize that accidents are the exception and not the rule, even if they are always a possibility. Plus, the fact that drivers are required to carry automobile insurance should decrease some of the concerns we might have, especially in the sense of the monetary repercussions of a potential accident.
How Can Massage Insurance Help Me?
When it comes to massage therapist insurance, you can think about this policy in much the same way you think about your own car insurance. An insurance policy is there to shoulder the financial burden of potential accidents that could occur in association with your work as a professional massage therapist or bodyworker.
Like driving, there is always a chance that an accident could take place when you are working with other people in your practice. Also like driving, such accidents appear to be the exception and not the rule. Still, the possibility is always there, which is why it ends up making good financial sense to secure a liability insurance policy. After all, massage therapy liability insurance tends to be much cheaper than automobile insurance. You should be able to find quality massage insurance for less than a couple hundred dollars per year.
What Does Massage Insurance Cover?
While it is easy to imagine the types of accidents that could take place when one is out driving on the road, it may be a bit more challenging to picture the kinds of accidents associated with a massage therapy or bodywork practice. Here, we will outline the sort of situations that could result in the need for the coverage provided by massage liability insurance.
First of all, there are the pure accidents, such as slips, trips and falls, which could happen to anyone, anywhere, and at any time. If a person happens to have one of these slips, trips, or falls on the property of your massage practice or inside your session room, he or she could decide to sue you for any damages that occurred during the accident, simply because it took place on your property.
In this scenario, the general liability coverage afforded by your insurance should be there to provide the necessary financial protection. Two other types of accidents that should be covered by massage insurance include situations where a client believes he or she suffered harm due to a lack of competence on the part of the professional practitioner or due to a product used during the appointment.
NACAMS Professional Policy for Massage TherapistsNow Includes: NCBTMB Approved Online Continuing Education |
Professional & General Liability Insurance: $2 million per occurrence, $3 million individual annual aggregate Product Coverage: $2 million Rental Damage Insurance: $100,000 Identity Protection Plan Stolen Equipment Coverage: $1,000* |
PLUS Free Professional Website and Exclusive Member Discounts |
Instant Coverage in minutes! |
$179 |
GET COVERED |

Benefits of NACAMS Insurance
- Receive immediate coverage and proof of insurance with our quick, online application.
- Promote your massage practice with a free professional website.
- Receive coverage for over 350 health, wellness, and beauty modalities—massage, reflexology, yoga, and more.
- Get peace of mind with the preferred occurrence form coverage.
- Get bonus coverage with an identity protection plan and $1,000 of stolen equipment insurance.
- Save money on massage products and online CE hours with NACAMS member discounts.
Massage Coverage Only $179
Compare Massage Therapist Insurance Providers
AMTA |
ABMP |
Hands On |
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Professional & General Liability Insurance
|
✓ |
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
($10 Million Shared Limit)
|
✓ |
$2 Million Per Occurrence
$6 Million Individual Annual Aggregate
|
✓ |
$2 Million Per Occurrence
$3 Million individual aggregate
|
✓ |
$2 Million Per Occurrence
$3 Million Individual Annual Aggregate
|
Occurrence-Form Coverage | ✓ | Yes | ✓ | Yes | ✓ | Yes | ✓ | Yes |
Product Liability
|
✓ |
$2 Million/ occurrence
|
✓ |
$2 Million/ occurrence
|
✓ |
$2 Million/ occurrence
|
✓ |
$2 Million/ occurrence
|
Rental Damage Coverage
|
✘ |
100,000 (Fire/Water Legal Liability)
General Liability Limits May Apply
|
✘ |
$100,000(Fire/Water Legal Liability)
General Liability Limits May Apply
|
✓ | $100,000 | ✓ | $100,000 |
Stolen Equipment | ✘ | No | ✘ | Optional—Add $95 | ✘ | No | ✓ | $1,000 *$250 deductible |
Required CE hours
|
✘ |
Yes
|
✘ |
Yes
|
✓ | No | ✓ | No Hours Required for Insurance |
Hour Qualification
|
✘ |
Yes
|
✘ |
Yes
|
✓ | No | ✓ | No Hours Required for Insurance |
Identity Protection Plan | ✘ | No | ✘ | No | ✘ | No | ✓ | $25,000 |
Annual Fee
|
$235/yr Professional
$89 first-year Graduate Rate |
$199-$229/yr
|
$145/yr
|
Starts at $179/yr Professional
$25 first-year Student
|
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NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources. No guarantee or assurance is made by NACAMS as to the accuracy or completeness of this information. Date that we confirmed this information 1/25/18 | APPLY NOW > |
Massage Modalities Covered
Learn more about the method, history, and benefits of some of the most popular massage modalities that we cover.
Acupressure
Aromatherapy
Asian Bodywork Therapy
Ayurvedic Bodywork
Craniosacral Therapy
Deep-Tissue Massage
Lymphatic Therapy
Medical Massage
Myofascial Release
Oncology Massage
Pregnancy Massage
Reflexology
Seated Massage
Shiatsu
Spa Therapies
Stone Massage
Swedish Massage
Thai Massage
Massage Insurance FAQs
What kind of massage is covered by massage insurance?
Where can I compare massage insurance programs?
Why would a massage therapist need professional liability insurance?
Can I get my massage therapy services covered by insurance?
Is there a type of insurance for massage therapy?
How much is massage therapy insurance?
Can I get massage liability insurance while I’m still attending massage school?
Can I get individual massage insurance if I work in a massage studio?
What does ‘individual coverage’ mean with massage therapy liability insurance?
What insurance is good for a massage therapist?
I am moving states, how do I move my insurance coverage with me?
Where can I get free massage continuing education units (CEUs)?
What is the best massage therapy insurance available right now?
What additional fees do you pay for massage therapy insurance?