Massage Insurance Coverage

Massage Insurance Coverage, Cost and Benefit 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.



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.