Exceptional Massage Liability Insurance
Smart practitioners realize that, while being named in a lawsuit is unlikely, it's not worth risking your career. In this sue-happy age (especially now, considering the current economic climate), even when you've done nothing wrong, it's expensive to defend yourself. Why chance it when excellent protection is so affordable?
Associated Bodywork & Massage Professionals (ABMP) offers liability coverage with the profession's highest aggregate coverages available: $2 million per incident, $6 million total per policy year. And these coverages protect you no matter where, or how many places, you work. These totals are per member, per year, not a shared member aggregate like other associations offer. You never have to fear if the insurance coverage will be there for you.
Also included are legal defense coverage (for covered losses) and no charge for obtaining an additional insured endorsement (AIE) if requested by your employer or landlord. All this is covered by your basic membership fee.
Unlike the claims-made coverage offered by some other providers, the insurance included with your ABMP membership is occurrence-form coverage, which protects you from late-filed claims. This added feature helps safeguard your business—and your peace of mind.
In addition, ABMP has procured coverage for hot stone massage and cupping—two modalities that are not always covered through other associations.
Bottom line: ABMP's liability insurance package is a comprehensive program specifically tailored for massage therapists and bodyworkers.
Sure, you can find bare-bones insurance coverage elsewhere. But are you sure you're protected? Not all insurance policies are the same. And consider ABMP's greatest strength: helping our members. If you do experience a claim, you can expect knowledgeable, empathetic assistance to help expedite rapid resolution of your claim. Fact is, just knowing your ABMP team is ready and able to support you lets you focus on what's most important—building a successful career.
Frequently Asked Questions
How quickly can I join ABMP and receive proof of insurance?
There are several options available to speed up processing. You can apply over the phone or on our website, or you can fax a completed application to us at 800-667-8260. We must also be able to verify training/licensing if no documents are supplied. If everything is in order, the insurance is effective the following day and your proof of insurance will be available by logging in to ABMP.com. If applying by mail, Three-Day Priority Mail Service ($15) ensures that the application will be processed and mailed within three business days.
When will my insurance go into effect?
Assuming all the required information is in order, your membership and insurance go into effect the day after receipt of your application, whether it is received by mail, fax, online, or over the phone, and it will be in effect for one full year from that date.
What exactly does my liability insurance cover?
The occurrence form liability policy that ABMP provides to qualified members covers the member's massage operations for professional liability (client alleges malpractice), general liability (client alleges injury/accident due to member's negligence), and product liability (client alleges reaction to product). The insurer will also defend you if someone sues you alleging your wrongdoing in covered losses; those legal expenses are provided in addition to the policy limits. That is, legal expenses aren't included in the policy limits like some other association's policies.
Can I add Business Personal Property Insurance to cover my equipment?
Yes! ABMP members can add optional coverage that protects equipment that is vital for your business, including massage tables, supplies, computers, etc. This valuable option is tailored to our members’ unique insurance needs in the event of equipment loss due to a fire, flood, theft, etc. We have two BPP options: (1) BPP for $10,000: $95, and (2) BPP for $25,000: $250. You can choose this coverage when you sign up for membership, or call our team at 800-458-2267 to add it to an existing membership. You can read the post "What is Business Personal Property Insurance?" for more information.
Note: The insurance coverage descriptions above are illustrative only. Refer to a copy of the policy for specific coverages, limitations, exclusions, terms and conditions. This insurance information is provided by our insurance agent and the insurance company underwriting our program and is not a contract; it is a partial illustration of benefits, conditions, limitations, and exclusions. In the event that there is confusion or conflict between the policy language and any information provided, the policy language shall control.