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

===== The National Association of Complementary and Alternative Medicines (NACAMS) offers a massage insurance program that closely parallels Massage Magazine’s Insurance Plus. NACAMS provides occurrence-form coverage with limits of $2 M per occurrence, $3 M aggregate for liabilitynacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=,Live%20%26%20Prerecorded%20Classes%20Included|publisher=nacams.org|access-date=2025-11-14}}</ref>. It includes a separate $2 M aggregate personal injury/advertising coverage and also a $25,000 identity protection plan in every policynacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=,Live%20%26%20Prerecorded%20Classes%20Included|publisher=nacams.org|access-date=2025-11-14}}</ref>. Over 500 modalities are covered under one policy (from massage and Reiki to personal training and cosmetology)nacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=500%2B%20modalities%20covered%20including%20massage%2C,reiki%2C%20assisted%20stretching|publisher=nacams.org|access-date=2025-11-14}}</ref>nacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=In%20addition%20to%20general%20massage,most%20popular%20services%20we%20cover|publisher=nacams.org|access-date=2025-11-14}}</ref>, making it very versatile. =====

Cost: NACAMS costs $179/year (if paid annually)nacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=One%20of%20the%20most%20important,it%20is%20an%20easy%20decision|publisher=nacams.org|access-date=2025-11-14}}</ref>. They also have a two-year option for $329 (which saves a bit, effectively ~$164.50/year)nacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=One%20of%20the%20most%20important,it%20is%20an%20easy%20decision|publisher=nacams.org|access-date=2025-11-14}}</ref>. The student rate is $60/yearnacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=oNE%20Year%20Student|publisher=nacams.org|access-date=2025-11-14}}</ref>. These price points are slightly higher than MMIP’s, likely because NACAMS is the “direct” program whereas Massage Magazine offers a small discount as a marketing promotion.

Benefits: As an association, NACAMS is fairly minimalistic – it doesn’t tout conferences or magazines (despite the name, it’s not a full-service trade association like AMTA). It does have some member resources online and a blog, but no included CE library or print magazine. The main “benefit” is the insurance itself and the fact it’s been a trusted provider for 25+ yearsnacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=Massage%20Therapy%20Insurance%20For%20Just,49%2FDay|publisher=nacams.org|access-date=2025-11-14}}</ref>. Signing up is quick with instant online coverage and an online member portal for documentsnacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=Built%20on%2025%20years%20of,92%2Fmonth%20paid%20annually|publisher=nacams.org|access-date=2025-11-14}}</ref>.

NACAMS is nationwide (50-state coverage)nacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=,Live%20%26%20Prerecorded%20Classes%20Included|publisher=nacams.org|access-date=2025-11-14}}</ref> and supports modern needs like coverage for online/telehealth massage sessions (e.g., if you’re guiding clients via video or using pre-recorded content)nacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=500%2B%20modalities%20covered%20including%20massage%2C,reiki%2C%20assisted%20stretching|publisher=nacams.org|access-date=2025-11-14}}</ref>. This became relevant with the rise of virtual services.

Exclusions: Similar to MMIP (and likely underwritten by the same insurer, as suggested by identical limits and features), NACAMS excludes hands-on modalities it doesn’t list (though few are excluded) and standard exclusions apply (no sexual abuse, no claims outside policy period, etc.). There is no separate cyber liability add-on; however, many data breach issues a massage therapist might face (like lost client records) may not be as prominent if you’re not handling protected health info electronically. And if identity theft of the therapist occurs, the included $25k plan helps mitigate that risknacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=,Live%20%26%20Prerecorded%20Classes%20Included|publisher=nacams.org|access-date=2025-11-14}}</ref>.

In summary, NACAMS provides strong coverage identical to some of the best programs, at a competitive price – it’s a solid choice if you want occurrence coverage and a reputable backing (and perhaps prefer an association-style name behind your policy). It’s basically the alternative branding of MMIP, so choosing between the two might come down to slight pricing differences or personal preference.