Student, Professional, & Business Insurance Benefits

Insurance Canopy offers superior insurance to our USOLMT Members. Rest assured, you're in good hands with Insurance Canopy and are protected for a wide range of occurrences. 

Massage insurance protects you from personal liability in the unfortunate event that an accident occurs.  While there are many states where liability insurance is not required of the professional massage therapist, it is highly recommended in case of an accident or emergency. Check our State-By-State information (A-M) (N-Z) to see if your state requires you to have liability insurance. 

Student Coverage

After joining USOLMT for free as a Student, get your student liability coverage for just $67.00 per year, or $10.00 per month. Student coverage protects you during all massage-school related activities.   Some schools provide automatic coverage to massage students, and some don't.  Check with your school to see if you are covered.  Insurance Canopy's student insurance will cover you through graduation.  With your free USOLMT membership, you'll also receive the opportunity to attend free, monthly virtual mentoring sessions, and a 20% Discount on David Merlino's MBLEx Test Prep Study Guide and Tutorials! One-on-one mentorship opportunities are also available!

New Graduates (First Year) Coverage

As a new graduate, you will need to upgrade to professional liability coverage, available to you at $96 per year, or $10.00 per month, while you continue with free membership to USOLMT through your first year. 

Professional Coverage

Professional coverage is $96 annually or $10.00 per month. USOLMT professional membership is the best price in the industry at only $6.25 per month or $75.00 per year, for a total of $171.00 annually with insurance. Save up to $78.00 per year by switching to USOLMT. 

Coverage Comparison

$2 million per occurrence

$3 million general & professional liability aggregate

$3 million products & completed service aggregate

($6 million total aggregate coverage - Same as other major associations!)

*Aggregate coverage is the most your policy will pay in a 12-month period for bodily injury and property damage claims from the services you perform or the products you use in performing your services.

Personal & Advertising injury is also included! This is for claims arising from false arrest, detention, imprisonment, malicious prosecution, wrongful eviction or wrongful entry, oral or written publications that slanders or libels a person or organization, oral or written publication that violates a person's right to privacy, and the use of another's advertising idea in your advertisement. 

Damages to Property Rented by You is included up to $300,000. Applies to damage by fire to premises rented, to the insured, and to damage regardless of cause to premises (includes contents) occupied by the insured for at least 7 days. 

Legal defense is covered for any claims that may end up in court at no charge.  

Hot Stone Massage is covered. Cupping is a small extra fee.  (Even when you add the cupping option, it still costs less than other associations!) 

We have Policy Customization Options: Additions may be made to your customized coverage such as cupping, inland marine, retail product coverage, and so much more. With USOLMT you also receive free, unlimited additional insureds. 

Insurance Canopy also carries small business insurance, and insurance for employers! Employer Members, to purchase a policy for your small business, visit our partner page and speak to an agent. 

If you experience a claim, simply reach out to Insurance Canopy for fast, efficient, and exceptional service. 

*Insurance coverage information may change depending on how you customize your policy with Insurance Canopy.  Please speak to or chat with an agent regarding your specific situation on our landing page. Once you have a policy, please read over your documents carefully.  If you have questions, please refer them to Insurance Canopy.