Massage Therapy Insurance Comparison

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.
	AMTA	ABMP	MMIP	AMC	Hands-On
BENEFIT

Annual Membership Fee	$235 Includes all membership benefits	$199/$229	$159	$99	$145
Student Fee	$45 Graduate Fee-$89	$45	$25 /12 full months	NA	$75
Hour Qualification	500 hours	500 hrs- Pro. or Cert. 100 hrs- Practitioner	Not Required	NA	NA
Required CEU hours	48/4 years	16/ 2 yrs- Cert. level membership only	Not Required	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/ per member/ per year
** Claims Made/ Occurrence Form Coverage	Occurrence Form	Occurrence Form	Occurrence Form	**Claims Made	Occurrence Form
Coverage follows you Anywhere	Yes	Yes	Yes	NA	Yes
Fire Damage	Yes	Yes	Yes	NA	Yes
Fire Damage to equipment and Supplies	Available at an addiontional cost	Available at an addiontional cost (see below)	Included in Rental Damage Coverage	NA	NA
Legal Defense & Claims Administration Costs	Costs for legal defense expenses for covered claims is outside of the policy's aggregate annual limits	Costs for legal defense expenses for covered claims is outside of the policy's aggregate annual 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	Optional Ins. Available: Check link for list	Business Personal Property $95 for $10,000 Coverage $250 for $25,000 Coverage	Identity Protection $25,000 & Stolen equipment $1,000 INCLUDED	800-500-3930- Business Personal Property up to $10,000	NA
Health Insurance Coverage	Available	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 Sign up Online	Link to ABMP Sign up Online & Benefits	Link to MMIP Sign up Online	NA	Link to Hands-On Sign up Online
Print out Application	Call: 877-905-0577 for printed application		Link to MMIP Print Application	Link to AMC Print Application	NA
Student Online Application	Link to Online Application	Link to Online Application	Student Application Online	NA	Link to Hands-On Sign up Online
Student Application	Call: 877-905-0577 for printed application	Link to ABMP Student Application	Coverage for 1 Year $25	NA	Link to Hands-On Student Application
Student Newsletter	Link to Student Newsletter	Student Center	FutureLMT	NA	NA
Magazine with Membership	Massage Therapy Journal	Massage & Bodywork	Discount on MassageMag	NA	NA
Discounts with Membership	AMTA Member Discounts	Visit ABMP's Practitioners Discounts	Discounts available in Newsletter	NA	NA
Chapter Fee	NA	NA	NA	NA	NA
Web development program	Yes	Yes- Absolutely free, no limit to # of pages	Yes- Absolutely Free	NA	Yes- Absolutely Free- with unlimited pages
Newsletter	Hands-On	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	Can be added to free website
Online Marketing Tools	Yes	Yes	MassageMag and Newsletter	NA	Yes
CEU Classes Available Online	Yes- AMTA members receive discounted rates	Yes- ABMP currently has CE online courses available	Yes, 200+ Hours Included with Policy	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	Yes, Available on Massage Magazine	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	Aspen Specialty Insurance		Evanston Insurance Company by Markel Corporation


Other Options:		Professional	Student	Online signup	Contact Info
HPSO	Link to HPSO	NA	NA	NA	1.800.982.9491
AOBTA	Link to AOBTA	$149	$65	Membership Application PDF	membership@aobta.org
American Health Source (AHS)	Link to AHS	$249	$199	Application	1.888.375.7245 American Management Corporation
Alternative Balance	Link to ATPA	$179	Part time $159	Online Application	1.800.871.3848
The Bodywork Insurance Program	Link to BWI	$99	$67	Online Application	1.888.568.0548
NAMASTA	Link to NAMASTA	$105	NA	Apply	1.877.626.2782
NAMT	Link to NAMT	$139.95 Initial $89.95 Annual	NA	NA	1.800.776.6268
Lockton Affinity	Link to Lockton			Free Quote	1.877.240.2670
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 are 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 annual policy limit. AMTA's reserve fund covers any other claims. AMTA has never come close to its claims reaching the $10 million annual policy limit.
**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 have expired - you will have no insurance coverage. In fact, it is 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 not 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(3.2016), AMTA (12.2015), MMIP, & Hands On (5.14.18)

Massage Therapy Insurance Comparison

AMTA

ABMP

MMIP

AMC

Hands-On