An important aspect of protecting yourself against malpractice lawsuits is professional liability insurance. Having your own insurance through your AMTA membership provides important advantages, even when your employer may provide coverage. For starters, the coverage provided by your AMTA professional membership is in place 24-hours-a-day, seven days a week.
Types of Liability Coverage
Professional liability insurance policies for massage therapists provide either claims-made or occurrence coverage.
Claims-made policies provide coverage for incidents that:
- Occur on or after the effective date of the policy through the date the policy is terminated
- Are reported to the insurance company while the policy is still active (or during a purchased tail policy)
With occurrence policies, coverage is triggerd if the incident occurs during the policy period—regardless of when the claim is filed or whether the policy is still in effect. That means it provides long-term protection for covered claims which may arise at any time in the future, up to the limits of the policy in force at the time of the incident that led to the claim.
The professional liability insurance provided by your AMTA professional membership is an occurrence policy. Because this is an occurence policy, you're protected regardless of when a claim is made, as long as your membership and this insurance was in place at the time of the covered incident.
As an AMTA member, you can work confidently knowing you're protected by one of the broadest professional liability insurance programs in the profession.
Learn More About AMTA's Comprehensive Coverage for Massage Therapists
Call HPSO at 1-888-253-1474 with specific questions or to report a claim.
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