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

===== American Massage Council (AMC) is known for one thing above all: low cost. AMC has been in operation for decades (since 1986) and consistently offers some of the cheapest liability insurance for massage therapistsmassagecouncil.com<ref>{{cite web|title=massagecouncil.com|url=https://www.massagecouncil.com/#:~:text=,of%20coverage%20in%20the%20country|publisher=massagecouncil.com|access-date=2025-11-14}}</ref>. They offer two main coverage options: a $1 M/$3 M limit plan for $99/year, and a $2 M/$6 M limit plan for $109/yearreddit.com<ref>{{cite web|title=reddit.com|url=https://www.reddit.com/r/massage/comments/1o5s6i/amta_vs_abmp/#:~:text=AMTA%20vs%20ABMP%20%3A%20r%2Fmassage,It%27s%20%2499%20a%20year|publisher=reddit.com|access-date=2025-11-14}}</ref>massagecouncil.com<ref>{{cite web|title=massagecouncil.com|url=https://www.massagecouncil.com/#:~:text=Check%20Our%20coverage%20limits|publisher=massagecouncil.com|access-date=2025-11-14}}</ref>. These prices are significantly lower than most competitors (as a Reddit user put it, “AMC... It's $99 a year”reddit.com<ref>{{cite web|title=reddit.com|url=https://www.reddit.com/r/massage/comments/1o5s6i/amta_vs_abmp/#:~:text=AMTA%20vs%20ABMP%20%3A%20r%2Fmassage,It%27s%20%2499%20a%20year|publisher=reddit.com|access-date=2025-11-14}}</ref>). There is no membership tier or additional fee – it’s a pure insurance purchase. =====

The coverage itself is comprehensive in terms of scope of practice: AMC doesn’t list hundreds of modality names; instead, they define covered therapies broadly (massage, movement therapies like yoga/Pilates under “movement therapy,” energy work, spa therapies, etc.)massagecouncil.com<ref>{{cite web|title=massagecouncil.com|url=https://www.massagecouncil.com/#:~:text=Instead%20of%20worrying%20about%20the,the%20nature%20of%20the%20treatment|publisher=massagecouncil.com|access-date=2025-11-14}}</ref>massagecouncil.com<ref>{{cite web|title=massagecouncil.com|url=https://www.massagecouncil.com/#:~:text=The%20professional%20liability%20coverage%20limits,renews%20after%20one%20policy%20year|publisher=massagecouncil.com|access-date=2025-11-14}}</ref>. This means you don’t have to worry if your specific technique trademark name is listed – if it fits under those broad categories, it’s covered. AMC’s policy is administered on a claims-made basis (the site notes coverage is valid from start date until it renews after one year)massagecouncil.com<ref>{{cite web|title=massagecouncil.com|url=https://www.massagecouncil.com/#:~:text=Check%20Our%20coverage%20limits|publisher=massagecouncil.com|access-date=2025-11-14}}</ref>, so continuous renewal is key for ongoing protection.

Benefits and Features: To keep costs low, AMC is pretty bare-bones. There are no CEU courses, no magazines or member deals included. The upside is that AMC invests in strong legal defense – they boast a hand-picked network of defense attorneys and experts knowledgeable in massage to handle any claimsmassagecouncil.com<ref>{{cite web|title=massagecouncil.com|url=https://www.massagecouncil.com/#:~:text=We%20Will%20Help%20You%20Every,Step%20Of%20The%20Way|publisher=massagecouncil.com|access-date=2025-11-14}}</ref>. If you face a lawsuit, AMC’s specialized team could be a reassuring factor. AMC’s philosophy is you shouldn’t pay for things you don’t need; their application process even lets you add any additional allied modality coverage (like if you’re also a personal trainer or nutritionist) à la cartemassagecouncil.com<ref>{{cite web|title=massagecouncil.com|url=https://www.massagecouncil.com/#:~:text=02|publisher=massagecouncil.com|access-date=2025-11-14}}</ref> rather than forcing you into a higher fee.

Exclusions: AMC covers the standard massage scope but will exclude things outside it (e.g., acupuncture or chiropractic unless you have added coverage for those). Like all others, they exclude sexual misconduct claims and other intentional acts. One potential drawback: because the premium is so low, the policy might be “shared” among a risk purchasing group (though unlike AMTA, AMC’s stated aggregates are per person, not a shared master aggregate – each individual has up to $3M or $6M as chosen). AMC does not include identity theft or any perks – it truly is just malpractice/general liability insurance.

Who it’s best for: AMC can be fantastic for an independent therapist who just wants the cheapest coverage that still adequately protects them. Seasoned therapists who don’t need extra resources may flock to it for the savings (less than $100 a year). Just remember the claims-made nature: if you ever switch from AMC to another provider, consider getting tail coverage for the period you were insured with AMC, as a new occurrence-based policy won’t cover incidents from before its start date.