Massage Liability Insurance

Massage Liability insurance or malpractice insurance is needed in order to practice massage professionally. Because there is little to no harm done in the massage profession by massage therapists, the massage liability insurance is usually really inexpensive.

The three major massage associations - The Associated Bodywork and Massage Professionals (ABMP), the American Massage Therapy Association (AMTA) and the International Massage Association (IMA)- all provide massage malpractice insurance with membership in the organization. There are also a few other companies that just offer massage liability insurance such as the Hands on Trade Association, Massage Magazine's Insurance Plus and the American Massage Council.

Most massage therapists just starting out just choose the least expensive insurance which is offered by the Hands on Trade Association, Massage Magazine's Insurance Plus and the American Massage Council. Most see liability insurance as an expense and most are trying to avoid higher expenses. The liability insurance policy that you choose or the association that you choose is an investment in your profession. The 3 major massage associations all have different political associations and agendas. It is important to investigate each thoroughly to see which one is most compatible with your values and beliefs.

Compare Massage Insurance chart at Massage Magazine

American Massage Council

AMTA Liability Insurance Coverage for Massage Therapists

ABMP's Professional Liability Insurance

You will also need to know how much and what kind of coverage you will need. If you are working as an employee you will need to purchase your own policy and often get the extra rider that covers your employer.

Some other things to think about when researching massage liability insurance are things like:

• Do they cover the type of massage that you do?

• Do they cover you for products that you use or special tools that you use?

• Do they offer other services such as a website or discounts on credit card processing or other things like that.

• Do they require that you take CE for renewal?

• Do they provide an attorney and pay for all expenses if a case is brought against you?

• Do they cover identity theft (when your client records are stolen or lost, you will need to inform your clients and also provide a plan to help them monitor their credit or identity). The only plan I have seen that covers that is the one through Massage Magazine's Insurance Plus

You will also have to understand just what your coverage is and what it isn't. Liability insurance will cover you for 'errors of ommission' and

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