Insurance NOW available for Members

It has been a long time coming, but TMTA can now offer PROFESSIONAL & PREMISES LIABILITY insurance that is comparable to the national associations for a reasonable price.

One policy for all your professional needs. If you also hold a license as a Massage Therapist, Esthetician, Cosmetologist, Nail Tech, or practice Animal Massage this one insurance will cover all your professional needs.

U.S. residents only.

Professional and student rates available.

This insurance plan covers manual therapists wherever you might be doing your work; in your own office, a spa, resort, sporting event, clinic, shopping mall or corporate office. Even if you are doing massage outside your local area. This plan is as mobile as your practice and that mobility can take you wherever your imagination leads you!

Coverage for over 150 techniques; including nearly all massage and bodywork methods as well as animal massage applications. You get secure coverage from an "A" rated underwriter and personal customer service from our experienced staff.

Your Practice

To protect your business property, personal property, wage earning, reputation and the ability to continue doing hands-on therapies, insurance protection is a necessary addition to your professional practice. If you are not covered by insurance that protects you from claims made against the work you do, then you are leaving yourself open for a lawsuit. If you think having insurance just gives someone access to the deep pockets of your insurance carrier, think again.

Without insurance you can be personally sued for future earnings, and anything you might own. Although you may be innocent, you may still be forced out of business. If you do not have the proper legal assistance to fight a claim, or the reserves to pay a successful claim, you are very vulnerable. Insurance is protection against both false and real claims.

Your Premises

If you rent, lease or are paying for space in a building, you can be held liable for accidents or damage even if your landlord has premises liability insurance. If you are working out of your home, you are liable for damages if someone falls going to or coming from your house or apartment. If someone is bitten by a dog or scratched by a cat while at your place of business, even if it isn't yours, you are liable. Insurance protects you in case someone is injured. This is an occurrence-type policy, which means that it covers incidents when they occur during the policy period, even if you no longer hold a policy under this plan. If an incident happened during the policy period, you are covered.

• You are covered by this plan wherever you practice, as long as you are a law-abiding professional. If you fail to abide by local and state laws regarding your profession, such as licensing, registration or similar required credentials, you will not be covered.
• You are not covered by this policy if you exceed the legal limit of your scope of practice, as defined by state or local regulations or board rules.
• This insurance does not apply to "bodily injury", "property damage", or "personal and advertising injury" arising out of the use of T-bars.
• The effective date of your policy will be the postmark date or the expiration date of your current policy. We cannot back date prior to the postmark date.

Liability Insurance Coverage & Costs

Professional liability (malpractice) and general (premises or 'slip & fall') liability and product liability for one low price: $165.00 per year.

Massage Therapists/Bodyworkers/Animal Massage Therapists/
Estheticians/Cosmetologists/Nail Technicians
$2 million of coverage per occurrence
$3 million aggregate coverage

Rates:

Refund Policy:

The insurance provider does not refund any amount for any reason during a policy period.

FREE WEBSITE and OTHER BENEFITS WITH THIS INSURANCE PROVIDER

Biz Builder

Web Site: Websites with unlimited pages and images for a full year with your membership. E-mail included. ($95 value) using WebBuilder. This is a web site you can easily design yourself. When you sign-up you will receive an email with a link to the tool where you can start setting up your web site.

• Your own practice / business web site domain that can be used in all your advertising, business cards, etc.
• Statistical reporting on your web site will be provided so you can track advertisement page views and visitors to your web site.
• Online Appointment Scheduler (additional $6.59 per month). This allows people to schedule appointments while you are working with someone. No need for a secretary and you don't have to worry about missed calls.

• A free copy of Success Within My Site, 55 pages of invaluable tips and suggestions for running a business online along with a lot of search engine optimization information.