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

===== Hands On Trade is a membership-based insurance program known for covering not just massage therapists but a variety of beauty and wellness professionals under one roof. One flat membership fee ($185/year for professionals) provides liability coverage for multiple professions – massage, esthetics, cosmetology, fitness, energy work, etc., all included if you are multi-licensedhandsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/#:~:text=Multiple%20Professions%20And%20Procedures%20Are,Covered%20For%20One%20Price|publisher=handsontrade.com|access-date=2025-11-14}}</ref>. This makes it attractive if you wear many hats (no need for separate policies per modality). The coverage limits are solid: $2 million per occurrence for both professional and general liability, with a $3 million aggregate on the general liability sidehandsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/insurance#:~:text=Professional%20Liability%20Insurance%3A|publisher=handsontrade.com|access-date=2025-11-14}}</ref>handsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/insurance#:~:text=,million%20dollars%20in%20annual%20aggregate|publisher=handsontrade.com|access-date=2025-11-14}}</ref>. It also includes $100,000 in premises damage coverage (fire legal liability) per yearhandsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/insurance#:~:text=Liability%20Insurance%20Coverage%3A|publisher=handsontrade.com|access-date=2025-11-14}}</ref>. =====

However, Hands On Trade’s policy is a claims-made form – it “only covers incidents while the policy is active”massageliabilityinsurancegroup.com<ref>{{cite web|title=massageliabilityinsurancegroup.com|url=https://www.massageliabilityinsurancegroup.com/massage-insurance/compare/mmip-vs-hands-on-trade/#:~:text=Hands%20on%20Trade%20Insurance%3A|publisher=massageliabilityinsurancegroup.com|access-date=2025-11-14}}</ref>. If a claim arises after you’ve let the policy lapse, it would not be covered (unless you’ve arranged a tail policy). This is a critical point: occurrence coverage (like most others listed here) is preferable for long-term protection, whereas with claims-made you must keep the policy continuous to have full protection.

Cost: $185/year covers all your modalitieshandsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/#:~:text=Liability%20Insurance%20Cost|publisher=handsontrade.com|access-date=2025-11-14}}</ref>. There is a student rate of $75 for 12 months of coverage, which will upgrade to a professional membership at no extra cost once you graduatehandsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/insurance#:~:text=Student%20Insurance%20Coverage%3A|publisher=handsontrade.com|access-date=2025-11-14}}</ref>. Hands On does not have tiered plans – it’s a simple flat price.

Benefits: Beyond insurance, membership benefits are fairly basic. Hands On provides an online member portal, some discount offerings, and general business tips, but it “lacks the breadth of benefits” (like free CE or extensive resources) that some competitors offermassageliabilityinsurancegroup.com<ref>{{cite web|title=massageliabilityinsurancegroup.com|url=https://www.massageliabilityinsurancegroup.com/massage-insurance/compare/mmip-vs-hands-on-trade/#:~:text=Hands%20on%20Trade%20Insurance%3A|publisher=massageliabilityinsurancegroup.com|access-date=2025-11-14}}</ref>. The sign-up process is entirely online and very fast – coverage is effective immediately with an emailed certificate in minuteshandsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/faqs#:~:text=You%20will%20get%C2%A0an%20Email%20Confirmation%C2%A0within,check%20your%20spam%20or%20junk%C2%A0folders|publisher=handsontrade.com|access-date=2025-11-14}}</ref>handsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/faqs#:~:text=When%20does%20my%20coverage%20take,effect|publisher=handsontrade.com|access-date=2025-11-14}}</ref>. This is convenient for those needing instant proof of insurance.

Exclusions: Hands On Trade’s policy has some notable exclusions spelled out: for example, it does not cover invasive procedures, tattooing/permanent makeup, body piercing, or certain high-risk activities like cryotherapy chambershandsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/insurance#:~:text=Insurance%20Policy%20Exclusions%3A|publisher=handsontrade.com|access-date=2025-11-14}}</ref>. It also excludes coverage for professional contents/equipment (no tool coverage)handsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/insurance#:~:text=,go%20to%20do%20your%20profession|publisher=handsontrade.com|access-date=2025-11-14}}</ref> and, like others, won’t cover claims of sexual abuse. Identity theft protection and cyber liability are not included in the base plan – if you want those, you must purchase them as add-ons (for an additional fee)massageliabilityinsurancegroup.com<ref>{{cite web|title=massageliabilityinsurancegroup.com|url=https://www.massageliabilityinsurancegroup.com/massage-insurance/compare/mmip-vs-hands-on-trade/#:~:text=Hands%20on%20Trade%20Insurance%3A|publisher=massageliabilityinsurancegroup.com|access-date=2025-11-14}}</ref>. Despite these limitations, Hands On Trade appeals to those seeking one affordable policy to cover multiple professional skills.