Editing Openai/68fe5eb0-d380-800a-901e-85447e04e2e0 (section)

===== AMTA is a professional association that includes liability insurance with membership. Its policy is occurrence form, covering up to $2 million per claim and $6 million aggregate for professional AND general liabilityamtamassage.org<ref>{{cite web|title=amtamassage.org|url=https://www.amtamassage.org/massage-insurance/what-does-amta-liability-insurance-cover/#:~:text=coverage%20is%20also%20called%20medical,malpractice%20insurance|publisher=amtamassage.org|access-date=2025-11-14}}</ref>. Products liability is included (shared aggregate), and sub-coverages like Good Samaritan coverage, license protection, deposition expense, assault coverage, and HIPAA privacy breach coverage are part of the packageamtamassage.org<ref>{{cite web|title=amtamassage.org|url=https://www.amtamassage.org/massage-insurance/what-does-amta-liability-insurance-cover/#:~:text=,Communicable%20Diseases|publisher=amtamassage.org|access-date=2025-11-14}}</ref>amtamassage.org<ref>{{cite web|title=amtamassage.org|url=https://www.amtamassage.org/massage-insurance/what-does-amta-liability-insurance-cover/#:~:text=,Information%20Privacy%20and%20Notification%20Costs|publisher=amtamassage.org|access-date=2025-11-14}}</ref>. A unique aspect is the $10 million master policy aggregate – all AMTA members collectively share a $10M annual capamtamassage.org<ref>{{cite web|title=amtamassage.org|url=https://www.amtamassage.org/massage-insurance/what-does-amta-liability-insurance-cover/#:~:text=AMTA%E2%80%99s%20Professional%20Liability%20policy%20covers,for%20covered%20claims%20of%20malpractice|publisher=amtamassage.org|access-date=2025-11-14}}</ref>. (In 20+ years, AMTA reports never reaching this capamtamassage.org<ref>{{cite web|title=amtamassage.org|url=https://www.amtamassage.org/massage-insurance/what-does-amta-liability-insurance-cover/#:~:text=Is%20Having%20a%20Policy%20Aggregate,Bad|publisher=amtamassage.org|access-date=2025-11-14}}</ref>, but it means in a worst-case scenario if many claims exhaust the $10M pool, individual coverage could theoretically be limited.) =====

Cost: Professional membership is about $235/yearmassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=,Theft%20Protection%20is%20not%20offered|publisher=massagemag.com|access-date=2025-11-14}}</ref>. Student membership is free while in schoolmassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=,and%20Vision%20coverage%20access%20included|publisher=massagemag.com|access-date=2025-11-14}}</ref>, providing an easy entry for new therapists.

Benefits: AMTA offers extensive non-insurance benefits: state and national advocacy, local chapters for networking, a national conference, a free job board, and various discounts (equipment, continuing ed, etc.) for membersmassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=,and%20Vision%20coverage%20access%20included|publisher=massagemag.com|access-date=2025-11-14}}</ref>. However, the insurance requires maintaining membership (and meeting any state licensing CE requirements – AMTA itself doesn’t mandate CE for coverage, but encourages professional development). One drawback is that coverage is not instant upon signup – you must wait for membership processing for coverage to take effectmassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=not%20be%20enough%20coverage%20if,claim%2C%20leaving%20you%20financially%20responsible|publisher=massagemag.com|access-date=2025-11-14}}</ref>, so plan accordingly when renewing.

Exclusions: AMTA’s policy, underwritten by CNA/HPSO, excludes sexual misconduct and other standard exclusions, but notably does cover client data breaches and HIPAA-related costs up to a sublimit (important if you keep health records)amtamassage.org<ref>{{cite web|title=amtamassage.org|url=https://www.amtamassage.org/massage-insurance/what-does-amta-liability-insurance-cover/#:~:text=,Information%20Privacy%20and%20Notification%20Costs|publisher=amtamassage.org|access-date=2025-11-14}}</ref>. There is no identity theft protection for the therapist (unlike some competitors). Overall, AMTA is ideal for those who value association membership and advocacy, and are willing to pay a premium for it – but pure insurance seekers may find similar coverage cheaper elsewheremassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=you%20around%20%24235%20pear%20year%2C,what%20you%20are%20getting%20into|publisher=massagemag.com|access-date=2025-11-14}}</ref>.