Professional liability (malpractice) and general (premises or ‘slip & fall’) liability for one low price: $160.00 per year.

Massage Therapists/Bodyworkers/Animal Massage Therapists
$2 million of coverage per occurrence
$3 million aggregate coverage

Estheticians/Cosmetologists/Nail Technicians
$2 million of coverage per occurrence
$3 million aggregate of coverage

This plan, brought to you by the Hands-On Trade Association, who’s CEO is the Founder of MASSAGE Magazine, which provides our underwriter to cover you throughout the United States.

Rates:

Professional Rate		$160.00 per year
Student Rate*		$107.00 per year
* Must be currently enrolled in school and only able to work in the student school or on family/friends.
Coverage Limits (No deductible):
		Massage Therapists/ Bodyworkers/ Animal Massage Therapists		Estheticians/ Cosmetologists/ Nail Technicians
Professional & General Liability		$2 million		$2 million
Annual Aggregate		$3 million		$3 million
Product Liability		$2 million		$2 million
Rental Damage Liability		$100,000		$100,000
Exclusions include, but not limited to:
T-bars	Sexual abuse	Acquired Immune Deficiency Syndrome	Transmission of a Communicable Disease	-Body Piercing -Laser Hair Removal Permanent Makeup and Tatooing
Manipulations or adjustments of the human skeletal structure				The use of any dye or coloring to eyelashes or eyebrows. Tinting Perming

Your Premises
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 going to or coming from your house or apartment. If someone is bitten by a dog or scratched by a cat while at your place of business, even if it isn't yours, you are liable. Insurance protects you in case someone is injured.

Hands-on Trades Protection Plan Coverage
This is an occurrence-type policy, which means that it covers incidents when they occur during the policy period, even if you no longer hold a policy under this plan. If an incident happened during the policy period, you are covered.

• 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.
• This insurance does not apply to "bodily injury", "property damage", or "personal and advertising injury" arising out of the use of T-bars. If the method you utilize is not listed, please call for verbal permission.