Liability Insurance

Liability Insurance you can count on, wherever your practice takes you! The American Medical Massage Association professional insurance program covers medical massage and medical manual therapists in private and group practices. Whether you work alone, in a group, a hospital, medical office or chiropractic clinic you are covered by your liability insurance anywhere in the United States.

The AMMA policy is a high quality, occurrence based 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.

Each Occurrence: No Deductible Policy!

• Professional & General Liability  $ 1 Million
• Annual Aggregate  $ 3 Million
• Product Liability  $ 1 Million
• Personal Injury & Advertising Injury  $ 1 Million
• Rental Damage Liability  $ 50,000

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Why do you need a liability Insurance?

You need liability insurance to shield your personal and/or corporate assets. Anytime an alleged injury takes place and is claimed to be the fault of you personally. Without General and Professional Liability insurance protection, a claim filed against you could result in thousands of dollars in legal fees just to defend against the charges, whether or not they have warrant. If the result of the lawsuit is a ruling in favor of the claimant, you could lose all your business and personal assets and perhaps even face the loss of future earnings.

So protect yourself and your business!
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. Additional insured can be covered for only $10.00 each. If you are working out of your home, you are liable for damages: insurance protects you in case someone is injured.

You must maintain your practice as a law-abiding professional. If you fail to abide by local and state laws concerning your profession; such as licensing, registration or similar required credentials, you will not be covered.

Exclusions Include: Acquired Immune Deficiency Syndrome, Communicable Diseases, Sexual Abuse, Body Piercing, T-Bars. Additionally, this policy does not apply to "property damage", "bodily injury" or "personal" and "advertising injury" arising out of the use of T-bars.

If you have questions concerning the massage therapy method you utilize, please contact the AMMA for confirmation of all covered therapies.  The policy covers many massage and touch-based vocations. Please contact the AMMA regarding policies for acupuncture, naturopathic or naprapathic practices, personal trainers, medical assistants and holistic health practitioners.

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.

Please contact the AMMA  office to receive a copy of your liability insurance policy.