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

===== Massage Magazine Insurance Plus (MMIP) is a popular insurance program open to all massage therapists (no association membership required). The policy is occurrence-form with coverage of $2 million per occurrence and $3 million aggregate for professional AND general liabilitymassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=On%20top%20of%20all%20these,if%20the%20policy%20has%20expired|publisher=massagemag.com|access-date=2025-11-14}}</ref>. It also includes $2 million aggregate for personal injury (libel/slander) coverage and an extra benefit of $25,000 in identity theft protection for the therapistmassageliabilityinsurancegroup.com<ref>{{cite web|title=massageliabilityinsurancegroup.com|url=https://www.massageliabilityinsurancegroup.com/massage-insurance/compare/mmip-vs-hands-on-trade/#:~:text=,skill%20set%E2%80%94all%20without%20paying%20extra|publisher=massageliabilityinsurancegroup.com|access-date=2025-11-14}}</ref>. Notably, MMIP’s base policy automatically covers a huge range of techniques – over 500 modalities, including many “advanced” or niche modalities without extra feesmassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=This%20all,of%20additional%20benefits%20and%20resources|publisher=massagemag.com|access-date=2025-11-14}}</ref>. This means you don’t have to buy separate endorsements for things like cupping, hot stone, aromatherapy, etc., which some other insurers charge extra for. =====

Cost: For a full-time therapist, the premium is $169/yearmassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=%24|publisher=massagemag.com|access-date=2025-11-14}}</ref>. They uniquely offer a part-time rate of $159/year (if you work under 10 hours/week)massagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=%23%23%20part|publisher=massagemag.com|access-date=2025-11-14}}</ref>. Students can get coverage for $40/yearmblexguide.com<ref>{{cite web|title=mblexguide.com|url=https://mblexguide.com/massage-liability-insurance-comparison/#:~:text=%2489%2Fyear%20,year%20policy%20ends.N%2FA|publisher=mblexguide.com|access-date=2025-11-14}}</ref>. There’s also a 2-year policy option for $289 (averages ~$149/year)massagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=|publisher=massagemag.com|access-date=2025-11-14}}</ref>. Monthly payment plans are available if needed.

Benefits: MMIP stands out for its extras: members get free unlimited CEU courses online (over 50 hours of CE)massageliabilityinsurancegroup.com<ref>{{cite web|title=massageliabilityinsurancegroup.com|url=https://www.massageliabilityinsurancegroup.com/massage-insurance/compare/mmip-vs-hands-on-trade/#:~:text=your%20business.%20,new%20or%20renewing%20massage%20professionals|publisher=massageliabilityinsurancegroup.com|access-date=2025-11-14}}</ref>, which is unusual for a non-association program. They also advertise over $1,800 in partner discounts (massage tables, supplies, educational products, etc.)massagemag.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>. Another perk is instant coverage – you can buy online and immediately receive proof of insurance via emailmassageliabilityinsurancegroup.com<ref>{{cite web|title=massageliabilityinsurancegroup.com|url=https://www.massageliabilityinsurancegroup.com/massage-insurance/compare/mmip-vs-hands-on-trade/#:~:text=extra.%20,new%20or%20renewing%20massage%20professionals|publisher=massageliabilityinsurancegroup.com|access-date=2025-11-14}}</ref>.

Exclusions/Limitations: MMIP’s policy covers you only within the United Statesmassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=Cons%3A|publisher=massagemag.com|access-date=2025-11-14}}</ref>. If you plan to practice internationally or move abroad, this policy wouldn’t cover those activities. Also, like others, intentional acts and sexual misconduct are excluded. MMIP does not include broader cyber liability coverage (beyond identity theft protection for the therapist). Overall, MMIP is often praised for being comprehensive and affordable for most massage professionals – its coverage and benefits rival the big associations, but at a slightly lower costmassagemag.com<ref>{{cite web|title=massagemag.com|url=https://www.massagemag.com/massage-insurance-comparison-guide/#:~:text=Cons%3A|publisher=massagemag.com|access-date=2025-11-14}}</ref>massagemag.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>.