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

==== If you’re a massage therapist, you probably already know you need liability insurance — but do you know what’s actually covered (and what isn’t)? ====

Most of us just renew whatever plan our association recommends. But here’s the truth:
👉 Coverage limits, policy types, and extra protections vary a lot between providers.

In my deep comparison on Massage Therapy Nexus, I broke down nine major insurance programs for U.S. massage therapists — including AMTA, ABMP, Massage Magazine Insurance Plus, Hands On Trade, and others like NACAMS, BBI, InsureLMT, AMC, and Alternative Balance.

Here are a few highlights (and surprises):
* 💡 Not all plans are “occurrence form.” Some use claims-made coverage, which only protects you while your policy is active — a big deal if a client files a claim months later.
* 🔐 Only a few include identity theft or HIPAA breach coverage. (MMIP, NACAMS, and InsureLMT do — most others don’t.)
* 💰 Prices range wildly — from under $100/year (AMC, InsureLMT) to over $230/year (AMTA).
* 🎓 ABMP offers the most continuing education, while others focus purely on insurance.
* 🌍 Alternative Balance even includes worldwide coverage and equipment protection.

The bottom line? The “best” policy depends on what you need most — peace of mind, price, perks, or protection.

I’ve laid out the full side-by-side comparison, including what’s missing (like cyber liability and sexual misconduct limits), in my main article:
👉 Compare Massage Liability Insurance Plans for 2025 →

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