Comprehensive Coverage for your Massage Practice

Comprehensive Coverage for your Massage Practice

Joining the FSMTA gives you exclusive access to reduced rates on comprehensive coverage for your massage practice, including professional and premises liability insurance, general liability insurance and property coverage. Our specially designed coverage program is available to FSMTA members only and includes both the professional and premises liability coverage required by Florida for your massage establishment.

At only $135 the FSMTA policy is the most affordable coverage available anywhere, and will meet your basic practice needs. You can also affordably expand this coverage to include additional general liability coverage, or business property coverage. Whether you select our comprehensive member policy or choose one of the available coverage options, the FSMTA program offers an overall insurance package which is unbeatable.

How to Enroll
To get started, just complete a separate coverage application, and select the features which fit you best. If you are a current FSMTA member, you may log in to your membership profile to apply for a new insurance policy online or print the insurance application to mail in with your check. If you are new to the FSMTA, you are welcome to apply for membership and insurance at the same time and can include both applications in the same envelope, but please enclose separate checks for accounting purposes. Please continue reading for more detailed information about pricing and coverage.

Coverage Highlights

Comprehensive Member Policy Optional Coverage Enhancements
Professional Liability Coverage for:

  • Massage Therapy
  • Movement Therapy
  • Energy Therapy
  • Spa Therapy
Special Coverage:

Premises Liability Coverage:

  • Bodily  Injury
  • Property Damage
General Liability Coverage:

  • Personal & Advertising Injury
  • Medical Expense Reimbursement
Limits of Liability:

  • $2,000,000 / $6,000,000
Business Personal Property for:

  • Equipment
  • Supplies

History of the FSMTA Malpractice Insurance Program:
FSMTA is the only state massage association in the country offering a malpractice insurance program for its members. Unlike national groups, FSMTA is able to customize its coverage program to meet the unique needs of Florida massage therapists. Since the program’s inception in 1997, FSMTA has worked tirelessly to ensure our coverage program is responsive to the evolving needs of our members.  The coverage program we offer today is the result of that initiative – the broadest choice of professional coverage options available anywhere, at a price affordable for everyone.

The Insurance Company:
The FSMTA has the most established program for massage insurance in the nation. The FSMTA professional liability coverage program is underwritten through Allied Professionals Insurance Company, a Risk Retention Group, Inc.—the nation’s largest alternative health Risk Retention Group. Allied’s programs have been serving alternative healthcare since 1986, and the program is rated A- (Excellent) by AM Best and A Prime (Unsurpassed) by Demotech.  All coverage is reinsured through Lloyd’s of London, the world’s oldest and most prestigious insurance underwriter.  Lloyd’s is also the underwriter for the FSMTA’s optional property coverage.

Comprehensive Professional and Premises Liability Package:
The FSMTA has negotiated a unique, members-only package policy combining both Professional Liability and Premises Liability (including Property Damage Liability) into a simple package policy. This ensures that you are protected for both acts of professional misconduct as well as from a simple slip and fall incident that could occur on your premises. The pricing is ideal for the massage therapist.

Supplemental General Liability Insurance:
One of the great things about the FSMTA insurance program is that it provides you what you need, but has options for you to select more coverage if you want.  An example of this is the General Liability insurance enhancement for $135. While our package program of professional and premises liability satisfies most of our FSMTA member needs, you may wish to carry expanded general liability coverage.  The FSMTA General Liability enhancement includes Personal and Advertising Injury, such as claims of libel, Products
Liability for products used in your practice, and $5,000 of supplemental coverage for Medical Expenses resulting from any accidental injury.

Business Personal Property Insurance:
If you are looking for coverage for your practice-related personal property, FSMTA now offers Business Personal Property insurance.  This optional coverage is underwritten by Lloyd’s of London, and provides $10,000 in coverage for your equipment, supplies, and other contents used in your practice. If your needs for property coverage are greater, higher supplemental limits are also available.

Special Coverage Extensions:
FSMTA has worked with our carrier to provide a variety of coverage extensions to meet the needs of those members with diverse practices that include specialized services.  Coverage is available through the FSMTA for a variety of modalities including the following:

To request coverage for these professional services, please download and complete the application addendum by clicking on the link provided.  Additional charges may apply.

National Coverage-Free Occurrences Conversion
The American Massage Council uses an approved claims-made Master Policy for providing coverage. Each massage therapist receives their own individual limits of coverage for a full twelve months. By utilizing a Master Policy issued through a federally chartered Risk Purchasing Group, you receive national coverage, protecting you anywhere you go within the United States (subject only to licensure laws). Your policy also includes a unique claims feature. At the end of five years, coverage automatically becomes permanent (called occurrences). This means you are covered even if a claim is made against you years after you retire from practice. This feature is free. And should you need to access this feature sooner than five years, an affordable schedule is available for early conversion.

Your Full Policy – Free of Charge
At FSMTA we think it is important that you understand fully what you are getting with our coverage program.  That is why, unlike other insurance programs, we have always provided our members with a full copy of their policy, free of charge.  Be sure to review your policy, in particular Article V, Insuring Agreements, which details what is covered, and Article X, Exclusions, which specifies what isn’t covered. We are very happy with our coverage program, and when you read your policy, we think you will be too.

Additional Insured Information:
An additional insured can be any establishment where you work, or property that you rent. Many landlords and employers prefer you add them to your policy to protect them in the event of an incident. To add an additional insured to your policy, it is Free for each of the first 10 businesses, any additional are FREE! Simply fill out the form below and fax or mail to our office.

Additional Insured Request Form

Certificate Holders
A certificate holder (example; landlords or employers) will be notified of any changes made to the policy or if there is a lapse in the policy. The certificate holder cannot make any changes to the policy.

Certificate Holder Request Form

Additional Premises Information:
An additional premises is your second, third, or fourth (etc) establishment; one where you hold an establishment license. A phenomenal perk of having your liability insurance through FSMTA is that we give you one FREE premises coverage with your comprehensive member policy. If you have more than one establishment simply fill out the additional premises form and send in with payment of $50 per additional premises. If you have any questions please contact corporate office at 407-786-3307.  We look forward to serving you.

Additional Premises Request Form

To Update Your Information
To change your name, address, phone number or clinic information please use the change form below.
Change Form


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