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

==== The table below summarizes key policy features: liability coverage limits, policy form (occurrence vs. claims-made), and identity theft or cyber coverage. All listed plans include professional liability (malpractice) and general liability (slip-and-fall) coverage, as well as product liability (coverage for products used in practice). Occurrence form policies cover incidents that occur during the policy period even if claims are made later, whereas claims-made policies only cover claims filed while the policy is active (unless you purchase extended “tail” coverage). ====

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Notes: All above programs cover professional, general, and product liability. “Personal & Advertising Injury” coverage (e.g. libel/slander claims) is typically included under general liability (often up to $2 M)nacams.org<ref>{{cite web|title=nacams.org|url=https://nacams.org/massage-insurance/#:~:text=,Live%20%26%20Prerecorded%20Classes%20Included|publisher=nacams.org|access-date=2025-11-14}}</ref>. All policies exclude intentional wrongdoing and sexual misconduct claims (many offer no coverage for sexual abuse claims by default, or only via a limited endorsement). For example, BBI offers an optional Sexual Abuse/Molestation coverage sublimit (e.g. $10k–$25k) for an extra feeinsurebodywork.com<ref>{{cite web|title=insurebodywork.com|url=https://www.insurebodywork.com/massage-therapy-insurance-cost#:~:text=,SAM%29%20Insurance|publisher=insurebodywork.com|access-date=2025-11-14}}</ref>insurebodywork.com<ref>{{cite web|title=insurebodywork.com|url=https://www.insurebodywork.com/massage-therapy-insurance-cost#:~:text=%2410%2C000%20in%20annual%20coverage%20,%2B%2414.04%2Fmonth|publisher=insurebodywork.com|access-date=2025-11-14}}</ref>, whereas most other plans flatly exclude such claims. Modalities involving invasive procedures, piercing or tattooing are generally excluded (Hands On Trade explicitly excludes things like permanent makeup, cryotherapy chambers, and any invasive procedureshandsontrade.com<ref>{{cite web|title=handsontrade.com|url=https://handsontrade.com/insurance#:~:text=Insurance%20Policy%20Exclusions%3A|publisher=handsontrade.com|access-date=2025-11-14}}</ref>). Always review each policy’s full exclusion list to ensure your specific modalities are covered.