Editing Openai/68fe5eb0-d380-800a-901e-85447e04e2e0 (section)

===== ABMP is another major membership association. All membership levels include an occurrence-form policy with $2 million per occurrence, $6 million aggregate for both professional and general liability (these limits are individual, not shared with other members)seven.abmp.com<ref>{{cite web|title=seven.abmp.com|url=https://seven.abmp.com/application-faqs#:~:text=The%20occurrence%20form%20liability%20policy,YOUR%20limits%E2%80%94not%20shared%20with%20other|publisher=seven.abmp.com|access-date=2025-11-14}}</ref>. Products liability is included in the $6M aggregatemblexguide.com<ref>{{cite web|title=mblexguide.com|url=https://mblexguide.com/massage-liability-insurance-comparison/#:~:text=Benefits%20of%20ABMP%20liability%20insurance,for%20massage%20therapists|publisher=mblexguide.com|access-date=2025-11-14}}</ref>. ABMP highlights that legal defense costs are covered in addition to these limits (so your coverage isn’t eroded by attorney fees in a claim)seven.abmp.com<ref>{{cite web|title=seven.abmp.com|url=https://seven.abmp.com/application-faqs#:~:text=The%20occurrence%20form%20liability%20policy,YOUR%20limits%E2%80%94not%20shared%20with%20other|publisher=seven.abmp.com|access-date=2025-11-14}}</ref>. =====

Cost: ABMP offers tiers: Professional membership at $199/year, and Certified membership at $229/yearmblexguide.com<ref>{{cite web|title=mblexguide.com|url=https://mblexguide.com/massage-liability-insurance-comparison/#:~:text=ABMP%20offers%20two%20levels%20of,matter%20how%20many%20places%20you|publisher=mblexguide.com|access-date=2025-11-14}}</ref>. Both have the same insurance coverage; the higher tier adds more benefits (more CE hours, bigger discounts, and a monthly payment option)mblexguide.com<ref>{{cite web|title=mblexguide.com|url=https://mblexguide.com/massage-liability-insurance-comparison/#:~:text=ABMP%20offers%20two%20levels%20of,matter%20how%20many%20places%20you|publisher=mblexguide.com|access-date=2025-11-14}}</ref>seven.abmp.com<ref>{{cite web|title=seven.abmp.com|url=https://seven.abmp.com/application-faqs#:~:text=Is%20ABMP%20Certified%20membership%20worth,the%20price%20difference|publisher=seven.abmp.com|access-date=2025-11-14}}</ref>. Students can join for $15/year for school coveragemblexguide.com<ref>{{cite web|title=mblexguide.com|url=https://mblexguide.com/massage-liability-insurance-comparison/#:~:text=work%2C%20where%20you%20work%2C%20or,of%20training%2C%20whichever%20comes%20first|publisher=mblexguide.com|access-date=2025-11-14}}</ref>. ABMP allows monthly payments for the $229 tier ($20/month)seven.abmp.com<ref>{{cite web|title=seven.abmp.com|url=https://seven.abmp.com/application-faqs#:~:text=This%20is%20the%20best%20value,and%20a%20monthly%20payment%20option|publisher=seven.abmp.com|access-date=2025-11-14}}</ref>.

Benefits: ABMP membership comes with over 200 free CE courses/webinars for Professional members (and 600+ hours for Certified members)seven.abmp.com<ref>{{cite web|title=seven.abmp.com|url=https://seven.abmp.com/application-faqs#:~:text=This%20is%20the%20best%20value,and%20a%20monthly%20payment%20option|publisher=seven.abmp.com|access-date=2025-11-14}}</ref> – one of the richest CE libraries available. Members get the Massage & Bodywork magazine, a listing on the public referral site MassageTherapy.com, and various product/service discountsmblexguide.com<ref>{{cite web|title=mblexguide.com|url=https://mblexguide.com/massage-liability-insurance-comparison/#:~:text=Benefits%20of%20ABMP%20liability%20insurance,for%20massage%20therapists|publisher=mblexguide.com|access-date=2025-11-14}}</ref>mblexguide.com<ref>{{cite web|title=mblexguide.com|url=https://mblexguide.com/massage-liability-insurance-comparison/#:~:text=,for%20covered%20losses|publisher=mblexguide.com|access-date=2025-11-14}}</ref>. There are also digital tools like their Five-Minute Muscles anatomy app and client forms. Additional insured certificates (for employers or landlords) are free and unlimitedmblexguide.com<ref>{{cite web|title=mblexguide.com|url=https://mblexguide.com/massage-liability-insurance-comparison/#:~:text=,Property%20Insurance%20to%20cover%20equipment|publisher=mblexguide.com|access-date=2025-11-14}}</ref> – a nice perk as some insurers charge per certificate.

Exclusions/Limitations: ABMP’s insurance covers most massage and bodywork modalities; however, if you practice in multiple fields (e.g., also an esthetician or personal trainer), you may need to join their sister associations (ASCP, etc.) for those practicesseven.abmp.com<ref>{{cite web|title=seven.abmp.com|url=https://seven.abmp.com/application-faqs#:~:text=I%27m%20also%20an%20esthetician%2Fhairstylist%2Fnail%20professional,liability%20insurance%20for%20these%20areas|publisher=seven.abmp.com|access-date=2025-11-14}}</ref>. ABMP does not include identity theft or general cyber liability coverage – it focuses purely on malpractice/general liability protection. Also, while ABMP membership is open internationally (they have an Associate level with no insurance for those outside the U.S.)seven.abmp.com<ref>{{cite web|title=seven.abmp.com|url=https://seven.abmp.com/application-faqs#:~:text=What%20is%20ABMP%C2%A0Associate%C2%A0level%20membership%3F|publisher=seven.abmp.com|access-date=2025-11-14}}</ref>, the liability policy itself only covers work done in the U.S. (and members must meet state licensing requirements). Overall, ABMP is often praised for its extensive educational resources and member support, making it a strong choice if you want more than just insurance from your insurer.