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

==== When comparing massage liability insurance, consider both the coverage specifics and the perks that matter to you. If you simply need solid protection at the lowest cost, providers like InsureLMT, NACAMS/MMIP, AMC, or BBI might be your top picks. They offer strong liability coverage (several with occurrence-form policies and added benefits like identity theft coverage) at budget-friendly prices ranging from ~$94 to $179 per yearinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=What%20a%20%2494%20InsureLMT%20Policy,Includes|publisher=insurelmt.com|access-date=2025-11-14}}</ref>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>. On the other hand, if you value being part of a professional community or want extensive continuing education and business support, an association like ABMP or AMTA could justify their higher dues with the extras they providemassagemag.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>seven.abmp.com<ref>{{cite web|title=seven.abmp.com|url=https://seven.abmp.com/application-faqs#:~:text=Is%20ABMP%20Certified%20membership%20worth,the%20price%20difference|publisher=seven.abmp.com|access-date=2025-11-14}}</ref>. ====

Be mindful of policy type – occurrence coverage is generally preferable for long-term peace of mind, whereas claims-made policies (offered by Hands On Trade, AMC, and BBI, for example) require consistent renewal or tail coverage to avoid gapsmassageliabilityinsurancegroup.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>insurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=Occurrence,ILMT%20Policy%20is%20Occurrence%20Form|publisher=insurelmt.com|access-date=2025-11-14}}</ref>. Check for any exclusions or endorsements needed for your specific practice (if you do something like cupping or need coverage in a particular state like Missouri, those factors could sway your decision). Also, think about whether benefits like identity theft protection, equipment insurance, or free CEUs are valuable to you, as only some plans include these.

In late 2025, the good news is massage therapists have a wide range of quality insurance options. All the providers above are well-established and highly rated (A-rated carriers), so it often comes down to finding the right balance of cost, coverage, and professional benefits for your needs. Always review the latest policy details and consult the provider if you have questions – and then you can practice with the confidence that you and your clients are protected by the plan you choosenacams.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>massagecouncil.com<ref>{{cite web|title=massagecouncil.com|url=https://www.massagecouncil.com/#:~:text=We%20Will%20Help%20You%20Every,Step%20Of%20The%20Way|publisher=massagecouncil.com|access-date=2025-11-14}}</ref>.