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

===== ⚖️ The 2025 Comparison Highlights =====

I reviewed nine major providers:
AMTA, ABMP, Massage Magazine Insurance Plus (MMIP), Hands On Trade, NACAMS, InsureLMT, Beauty & Bodywork Insurance (BBI), American Massage Council (AMC), and Alternative Balance.

Here’s what I found:

====== 🕓 1. Policy Type Matters ======
* Occurrence form policies (AMTA, ABMP, MMIP, NACAMS, InsureLMT) protect you even after you stop paying — as long as the incident happened while you were covered.
* Claims-made policies (Hands On Trade, AMC, BBI) only protect you if the claim is filed while your policy is active.

====== 💰 2. Cost Ranges Widely ======
* Lowest: AMC and InsureLMT — around $94–$109 per year.
* Mid-range: NACAMS and MMIP — $159–$179.
* Highest: AMTA and Alternative Balance — $235–$269 per year. Prices often include membership fees and benefits, so higher cost doesn’t always mean better protection.

====== 🔐 3. Extra Protections ======

Only a few programs include identity theft or HIPAA breach coverage:
* ✅ Included: MMIP, NACAMS, InsureLMT
* ❌ Missing: AMTA, ABMP, Hands On Trade, BBI, AMC, Alternative Balance

If you keep client health data electronically, this coverage is worth having.

====== 🎓 4. Added Benefits ======
* ABMP shines for continuing education — hundreds of free CE hours.
* AMTA leads in advocacy, state chapters, and community events.
* MMIP includes free CE and $25k identity theft protection.
* Alternative Balance bundles in $10k of equipment and business interruption coverage, and even covers you abroad.

====== 🚫 5. Common Gaps ======

No policy covers intentional misconduct or sexual abuse (some offer small optional limits).
Most exclude invasive procedures and high-risk add-ons like cryotherapy or injections.
If you rent space, confirm your landlord is listed as an additional insured.