Liability Insurance Coverage and Costs

The Hands-On Trade Association provides Professional Liability (malpractice) and General (premises or 'slip & fall') Liability Insurance for Massage, Cosmetology, Esthetics, Nails, Animal Massage and many forms of Body Work.

No Deductible- Coverage for U.S. Residents only

Professional Rate: $165.00 per year

Massage Therapy Insurance, Body Work Insurance
$2 million of coverage per year and $3 million annual aggregate coverage.

Cosmetology Insurance, Esthetician Insurance, Nail Technician Insurance
$2 million of coverage per year and $3 million annual aggregate coverage

Animal Massage Therapy Insurance
$25,000 of coverage per occurrence.

Damage to Premises
$100,000 of coverage per year.

Student Rate: $75.00 per year

Students have the ability to work on family and friends while completing their education, provided they are under the direction of a school or clinic during that time.

Massage Therapy - Body Worker

Esthetician - Cosmetology - Nail Technician

Damage to Premises $100,000

Animal Massage Therapy Sublimit

The total liability of the Company (insurance provider) for the combined total of Damages and Claim Expenses for all claims because of all Bodily Injury or Property damage sustained by one or more animals, persons or entities as the result of any one Occurrence arising from services performed in the treatment of any animal shall not exceed $25,000.

Exclusions Include, but not limited to:
- T-bars
- The dying, coloring, perming, or tinting of eyelashes
- Body Piercing
- Laser Hair Removal
- Permanent Makeup and Tattooing
- Sexual Abuse
- Acquired Immune Deficiency Syndrome Transmission of a Communicable Disease

Insurance Coverage- Expanded
There are both Occurrence Coverage's and Claims Made Coverage's in this policy.

Occurrence Coverage
The General Liability Coverage afforded by this policy is limited to liability for only those claims that are made against the insured during the Membership Period or the extended reporting periods, if exercised.

Notice
This is a duty defended policy. Additionally, this policy contains provisions that reduce the limits of liability stated in the policy by costs of legal defense.

You are covered by this plan wherever you practice, as long as you are a law-abiding professional. If you fail to abide by local and state laws regarding your profession, such as licensing, registration or similar required credentials, you will not be covered.

You are not covered by this policy if you exceed the legal limit of your scope of practice, as defined by state or local regulations or board rules.

The policy that we offer is only a liability policy. This policy will not cover your property or contents in any case.

Damage to Premises- Expanded
If you rent, lease or are paying for space in a building, you can be held liable for accidents or damage even if your landlord has premises liability insurance. If you are working out of your home, you are liable for damages if someone falls down going to or coming from your house or apartment. If someone is bitten by a dog or cat while at your place of business, even if it isn't yours, you are liable. Insurance protects you in case someone is injured.