There are many different options to consider for just about every purchase we make, and massage insurance is no different. There are quite a few massage insurance companies out there, but terms can be different, information can be hard to find, and, let’s face it—the back-and- forth clicking is not a whole lot of fun. 

That’s why we’ve done the legwork for you and put together all of the top programs in one spot so you can see how they stack up side-by-side. We’ll cover who the massage insurance companies are, what they offer, and how they compare.

Associated Bodywork and Massage Professionals (ABMP) is a national membership association for the massage profession. As a professional association for massage therapists, ABMP provides a host of resources and participates in legislative advocacy to benefit the industry. Founded in 1987, ABMP includes liability insurance and business property insurance as one of the benefits of membership in their organization. 

Its site lists several areas of emphasis, including member benefits, massage insurance, continuing education, students-and-schools support, and additional resources. Certified members get a $20 monthly payment option, more CE, and more significant discounts than the professional plan offered.. ABMP, like all companies in our comparison, provides both professional massage therapist insurance as well as massage student insurance.

Focusing on the massage professional insurance portion of what ABMP provides, we see a $2 million per incident and $6 million total each year as an individual annual aggregate; however, the only listed coverage areas are general liability, professional liability, and product liability. The policies are made as occurrence form coverage, which is by far the industry's preferred format but not something every company offers. 

The American Massage Therapy Association (AMTA) lists itself as the “largest nonprofit community of massage therapists.” AMTA provides various member benefits, including massage therapy insurance. It is also heavily involved in advocacy at the federal, state, and local levels of government. As well, AMTA states it works on fair licensing in massage, and provides networking opportunities, continuing education classes and training. 

Beauty and Bodywork Insurance (BBI), aka InsureBodywork.com, is managed by Veracity Insurance Solutions LLC and provides insurance to a wide range of modalities. Massage, cosmetology, esthetics, acupuncture, hair stylists, energy work, and more are all listed on the BBI site. It also has a long list of areas that aren’t covered, including aerial yoga, cupping, aqua therapy, and many more. Some of these excluded modalities are listed as “optional endorsements,” which basically means you can add coverage for that service as an add-on to your policy. 

We give props to BBI for listing pricing and coverage information up front and center (something you have to dig for with AMTA and ABMP). The current pricing information they list states $96 for a professional liability policy and $67 for a student liability policy. Limits include $2 million per occurrence and $3 million for general and professional liability. Products liability comes with $2 million in total. There’s also a separate damage-to-rental-premises coverage of $300,000.

MASSAGE Magazine started back in 1985 as the go-to resource for massage professionals. After being the leader in massage publications for decades, our team saw the need for professional-caliber insurance at an affordable rate. With the same mission of supporting professionals, we created massage liability insurance. This all-inclusive massage insurance plan covers the greatest amount of modalities simultaneously—over 450 at present, with more being added all the time. There’s also free massage continuing education courses, discounts from top names in massage products and business services, and hosts of additional benefits and resources. 

On top of all these benefits is, of course, the policy itself. When we went to set limits, we wanted to place them in the sweet spot for today’s types of risks. Too low and your members may not have adequate coverage, and too high means they’re paying for something they’ll likely never use. That’s why we include $2 million per occurrence and a $3 million individual annual aggregate for general and professional liability, a $2 million product liability limit, and then take it further than anyone with a $25,000 identity protection plan, $1,000 in stolen equipment coverage, and $100,000 in damage to a rented premises coverage. 

All of this is available at both part-time and full-time rates, students-only rates, flexible monthly payments, and money-saving upfront premium options. We do all of this to give ultimate flexibility in a plan that’s easy to access from start to finish.

“Cheap” sometimes makes you think less quality and with some things in life that’s true. Cheap may not mean less quality with insurance but there are some big differences to note such as some of these plans are truly “bare bones”. 

Lowest to highest of all student plans offered:

Lowest to highest of all professional plans offered:

Coverage is obviously very important with massage insurance—but remember that limits need to be set with a lot of forethought, and you don’t want to have more than you need or conversely less than you might need. ABMP’s limits and pricing are structured on two different tiers based on your experience level; here, we provided their “professional” level to keep this comparison as close as possible.

With one of the only massage insurance companies to not have an hour qualification or required annual CE hours, MASSAGE Magazine’s liability insurance takes the cake for minimal hassle. 

Save BIG by purchasing 1 year of unlimited access to online massage continuing education with massage insurance included.

The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by Arch Specialty Insurance Company, which is rated A+(Superior) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 3948 3rd Street South #279, Jacksonville Beach, FL 32250

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Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Insurance Plus is not an insurer.