Massage Insurance Coverage, Cost and Benefit Comparison By Provider
Part of being a massage therapist is maintaining the necessary insurance to protect you and your massage practice. We have compiled a list of the necessary data for you to make an informed choice as to what massage insurance provider is best for you.

AMC

BENEFIT
 
 
Annual Membership Fee
$235
$199/$229
$159
$99
$165
Student Fee

$45

Graduate Fee-$89

$45
$77
NA
$75
Hour Qualification
500 hours

500 hrs- Pro. or Cert.

100 hrs- Practitioner

NA
NA
NA
Required CEU hours
48/4 years
16/ 2 yrs- Cert. level membership only
NA
NA
NA
Malpractice / Professional Liability Insurance
$2 Million/ occurrence - up to $6 Million/ aggregate/per member/ per year *(Subject to a $10 Million Shared Master Aggregate)

$2 Million/Occurrence up to $6 Million aggregate/ per member/ per year

$2 Million/ occurrence - up to $3 Million aggregate /per member/ per year
$1 Million
$2 Million/ occurrence - up to $3 Million aggregate /per member /per year *(Subject to a $10 Million Shared Master Aggregate)
General / Commercial Liability
$2 Million
$2 Million
$2 Million
Add for $50 per location
$2 Million
Product Liability
$2 Million
$2 Million
$2 Million
$1 Million
$2 Million
Personal / Advertising Injury
NA
NA
$2 Million
NA
NA
Rental Damage Liability Coverage
$250,000
$100,000 Fire Legal Liability
100,000
NA
100,000
General Aggregate (Limit) Policy Period
$6 Million *(Subject to a $10 million Shared Master Aggregate)
$6 Million/ per member/ per year
$3 Million/ per member/ per year
$3 Million/ per member/ per year
$3 Million *(Subject to a $10 million Shared Master Aggregate)
** Claims Made/ Occurrence Form Coverage Occurrence Form Occurrence Form

Occurrence Form

**Claims Made

Professional Liability- ** Claims Made Coverage

General Liability- Occurrence Form Coverage

Coverage follows you Anywhere
Yes
Yes
Yes
NA
Yes
Fire Damage
Yes
Yes
Yes- (Except cases involving natural disasters)
NA
Yes
Fire Damage to equipment and Supplies
Available at an addiontional cost (see below)
NA
NA
NA
Legal Defense & Claims Administration Costs Costs for legal defense expenses for covered claims are IN ADDITION to the policy's aggregate limits Costs for legal defense expenses for covered claims are IN ADDITION to the policy's aggregate limits Costs for legal defense expenses for covered claims are INCLUDED in the policy's aggregate limits Costs for legal defense expenses for covered claims are INCLUDED in the policy's aggregate limits Costs for legal defense expenses for covered claims are INCLUDED in the policy's aggregate limits
Additional Coverage

Check link for list

Business Personal Property

$95 for $10,000 Coverage

$250 for $25,000 Coverage

Identity Protection $25,000 & Lost or Stolen equipment $1,000
800-500-3930- Business Personal Property up to $10,000
NA
Health Insurance Coverage
Preferred Partner provides veriety of optional ins. including health ins., disability ins., pet ins., etc. at an additonal cost
NA
NA
NA
Sign Up Online
Link to MMIP Sign up Online
NA
Link to Hands-On Sign up Online
Print out Application

Call:

877-905-0577 for printed application

All Online NA
Student Online Application
Student Application Online
NA
Link to Hands-On Sign up Online
Student Application

Call:

877-905-0577 for printed application

Coverage for one year- $77 even when licensed
NA
Link to Hands-On Student Application
Student Newsletter
Print copy mailed to student members, quarterly. Student Success Resources are available to all student members
FutureLMT
NA
NA
Magazine with Membership

Discount on

MassageMag

NA
NA
Discounts with Membership
Discounts available in Newsletter
NA
NA
Chapter Fee
NA
NA
NA
NA
Web development program
Yes
Yes- Absolutely free, no limit to # of pages
Yes- Absolutely Free
NA
Yes- no additional cost
Newsletter
Different Strokes
Yes- Monthly E-News
NA
Quarterly
Credit Card Program

NA

NA NA
NA
NA
Credit card Ins. Payment Yes Yes Yes All Cards Yes Yes All Cards
Credit Card Scanner Program
Yes
Yes- Variety of options
NA- Function can be added to free website
NA
NA
Online Marketing Tools
Yes
Yes
MassageMag and Newsletter
NA
Yes
CEU Classes Available Online Yes- AMTA members receive discounted rates Yes- ABMP currently has 9 CE online courses availabel NA NA NA
Free Educational Webinars for Members NA Yes- ABMP hosts new webinars every month. There are currently 85 webinars recorded & available for members to use NA NA NA
Charge to Add Additional No Charge No Charge $10 per AIE $25 per AIE $10 per AIE
Insurance Administration
1-888-253-1474
1-800-458-2267
1-800-222-1110
NA
1-800-872-1282
Insurance Provider CNA Allied Professional Insurance Company

Medical Protective by Warren Buffett / Berkshire Hathaway company

PDF

  Evanston Insurance Company by Markel Corporation
 
 
 
 
Other Options:
Professional
Student
Online signup
Contact Info
HPSO Link to HPSO
NA
AOBTA Link to AOBTA
$65
American Health Source (AHS) Link to AHS
$249
$199

1.888.375.7245

American Management Corporation

Alternative Balance Link to ATPA
Part time $159
The Bodywork Insurance Program Link to BWI
$99
$67
NAMASTA
NA
NAMT Link to NAMT

$139.95 Initial

$89.95 Annual

NA
Lockton Affinity
The Massage-Exam.com website is a resource for basic massage information. Our site contains online practice exams and links to major massage organizations. We are not affiliated with NCBTMB, FSMTB, AMTA, ABMP, IMA, or AMC. Information gathered from the websites of these organizations is to help educate and inform our fellow Massage Therapists.
When comparing pricing, be sure you’re clear on what type of insurance you’re purchasing
*Shared Master Aggregate means that all the members of the association (for example: AMTA’s 56,000+ members) share insurance coverage up to the $10 million policy limit each year. If other members’ claims add up to more than $10 million in any year, the next member filing a claim will not have insurance coverage as the master policy aggregate has been exhausted.

**Claims Made vs. Occurrence From Liability Insurance Coverage:
Claims made policies are typically less expensive because they provide less extensive coverage. Claims made coverage requires claims be made while your policy is in effect. If your policy has expired and someone makes a claim against you - even 24 hours after you’ve expired - you will have no insurance coverage. In fact, it’s like not having had insurance at all.

Some claims made policies offer extended reporting options that would allow you to extend the length of your liability insurance coverage. However, what is not made clear is that there is an additional charge to extend the coverage (200% of the original policy premium, states one insurance policy) and you have to provide written notice within a specific time period in order to access that extended reporting option – it is not automatic coverage.

Occurrence form coverage means coverage continues even if a claim is filed at a later date for an incident that occurred while you were an insured member. Experience tells us many claims aren’t filed until the statute of limitations has nearly run out (two years after the incident, in most cases). Occurrence-form coverage provides protection for these late-filed claims (which are far from rare) – claims-made does not. This added feature helps safeguard your business, your assets -and your peace of mind.

Malpractice: Professional misconduct or lack of ordinary skill in the performance of a professional act which renders the practitioner liable for damages.
Professional Liability Insurance: The obligation that a professional practitioner has to provide care or service that meets the standard of practice for his/her profession.
General Liability Insurance: A form of insurance designed to protect practitioners from liability exposures arising out of accidents resulting from the premises.
Product Liability Insurance: Insurance on a professional practitioner from suits arising out of damage caused by a product used on a client.
Claims-Made Coverage: Policy providing liability coverage only if a written claim is made during the policy period or any applicable extended reporting period.
Occurrence Based Policy: Insurance that pays claims arising out of incidents that occur during the policy term, even if they are filed years later or if the policy is no longer in effect.
Per Occurrence limit: This is the limit for all damages, whether property damage or bodily injury resulting from one occurrence. Our policy has a $ 2 million per occurrence limit.
Aggregate limit: This is the maximum limit for all claims against you during the policy period. Each claim paid reduces the remaining coverage for the period until the aggregate amount is paid.
Damage to Premises: Property Damage to any one premises while rented by the Insured or in the case of damage by fire, while rented by the Insured or temporarily occupied by the Insured with permission of the owner of premises.

Terms provided by Hands On

Info Confirmed by ABMP, AMTA, & MMIP

Last Updated 10/8/13

 

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