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

===== InsureLMT is a newer entrant positioning itself as “the most affordable” massage insurance – essentially providing broad occurrence-form coverage at a rock-bottom price. At $94/year for professionalsinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=What%20a%20%2494%20InsureLMT%20Policy,Includes|publisher=insurelmt.com|access-date=2025-11-14}}</ref>, it slightly undercuts even BBI. Despite the low cost, InsureLMT’s coverage is robust: $2 M/$3 M occurrence-form coverage for liability (pro and general)insurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=,covered%2C%20even%20after%20your%20policy|publisher=insurelmt.com|access-date=2025-11-14}}</ref>, $2 M personal & advertising injury coverageinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=trip,even%20after%20your%20policy%20expires|publisher=insurelmt.com|access-date=2025-11-14}}</ref>, and $25k identity theft protection includedinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=,after%20completing%20your%20InsureLMT%20application|publisher=insurelmt.com|access-date=2025-11-14}}</ref>. It automatically covers 500+ modalities (like MMIP/NACAMS) and includes dual-coverage if you have multiple licenses (e.g. no extra fee to also cover yoga or cosmetology work you do)insurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=Identity%20Protection%20Plan%20%E2%9C%98%20No,coverage%20in%20Missouri%20%E2%9C%93%20Yes|publisher=insurelmt.com|access-date=2025-11-14}}</ref>. =====

At such a low price, InsureLMT offers minimal frills beyond the insurance itself. There are no CE courses or major member benefits – the selling point is value and simplicity. You can sign up online in minutes and get instant coverage and a digital certificateinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=,Mobile%20Coverage|publisher=insurelmt.com|access-date=2025-11-14}}</ref>.

InsureLMT’s policy is underwritten on an occurrence basis (unlike BBI’s claims-made form), which many therapists prefer for peace of mindinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=,after%20completing%20your%20InsureLMT%20application|publisher=insurelmt.com|access-date=2025-11-14}}</ref>. The program is backed by an A-rated carrier and appears to be a sister program to NACAMS/MMIP (it provides very similar coverage and benefits, just stripped of some extras like magazine subscription to lower cost). It even compares itself directly to BBI, highlighting that InsureLMT includes identity theft and all modalities in all states, whereas BBI charges extra or has limitationsinsurelmt.com<ref>{{cite web|title=insurelmt.com|url=https://insurelmt.com/#:~:text=Identity%20Protection%20Plan%20%E2%9C%98%20No,coverage%20in%20Missouri%20%E2%9C%93%20Yes|publisher=insurelmt.com|access-date=2025-11-14}}</ref>.

Exclusions: These are standard – no coverage for sexual abuse claims, intentional acts, etc. For any exotic modality outside the covered list of 500+, you’d need to verify, but the list is comprehensive. InsureLMT does not provide optional add-ons like tool coverage or cyber liability (at least not advertised) – it focuses on core liability coverage. If you need equipment insurance or additional coverages, you’d seek those separately.

In summary, InsureLMT is an excellent choice for budget-minded therapists or newly licensed LMTs: it delivers the essential protections (including occurrence form and identity theft cover) at the lowest cost in the industrymakethemostofmassage.com<ref>{{cite web|title=makethemostofmassage.com|url=https://www.makethemostofmassage.com/insurelmt-affordable-massage-insurance/#:~:text=Practice%20www,great%20choice%20for%20new%20therapists|publisher=makethemostofmassage.com|access-date=2025-11-14}}</ref>. Just be aware it doesn’t come with the professional development resources that associations like AMTA or ABMP provide.