Insurance

Insurance overview: Insuring your practice

While massage is an environment of caring, sometimes accidents and mistakes can occur. Financially, you may be personally liable for whatever happens if you are not insured.

Sources to obtain insurance

There are several sources where insurance can be obtained:
• The facility where you work (often covers employees and contractors)
• A massage association (often included in membership):

• Associated Bodywork and Massage Professionals
• American Massage Therapy Association
• American Massage Council
• International Massage Association

• Directly from a broker or company

Important characteristics to consider are:
• What’s covered
• Exclusions
• Requirements
• Coverage dollars available to you per incident
• Coverage dollars available to you over your career
• Premium
• Deductibles
• Reliability/ reputation of the carrier
• Coverage timeframe