The American Massage Therapy Association offers plans for Massage Therapy Liability Insurance and Business Equipment and Contents Insurance, according to the AMTA website. Liability insurance is available for professional massage therapists, recent massage school graduates and massage therapy students.
Professional therapist liability insurance covers each incident for up to $2 million, with total coverage capped at $6 million, explains the American Massage Therapy Association. Professional liability, general liability, products, personal injury and hot stone massage are included. Massage therapists who are also estheticians or yoga instructors receive free additional coverage.
Recent graduates of programs requiring at least 500 in-class hours receive the same coverage as long as they have appropriate state or local licenses, AMTA continues. Students with AMTA insurance are covered for school-sponsored or sanctioned activities. After completing school, the AMTA recommends renewing as a recent graduate.
Business Equipment and Contents Insurance covers articles such as massage tables, chairs, oils and linens from loss or damage, states the AMTA. Causes include fire, theft or vandalism.
In addition to professional insurance, offers members options for themselves, such as disability, term life, long term care, health and dental insurance, the AMTA says. Choices of coverage for possessions include homes, vehicles and rented property. The AMTA does not offer these additional insurance policies in all states.