Hands On Trade Association
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1.800.872.1282 Our Benefits Include Professional and General Liability Insurance

Insurance Coverage: Professional and General Liability

Liability Insurance Coverage and Cost

We provide professional liability (malpractice) and general liability (slip & fall) insurance for massage therapists, cosmetologists, estheticians, nail technicians, animal massage therapists, yoga instructors, dance instructors, pilates instructorsbody work, energy work, movement education and more.

Professional Liability Insurance Coverage: 

Malpractice Insurance

  • We offer $2 million dollars of professional liability insurance coverage on claims made form.
  • We offer $3 million dollars in annual aggregate individual insurance coverage. 

 

General Liability Insurance Coverage:

Slip and Fall Insurance

  • We offer $2 million dollars per occurrence of general liability insurance coverage.​
  • We offer $3 million dollars in annual aggregate individual insurance coverage. 

Insurance Information

  • We provide $100,000 dollars per year of damage to premises insurance coverage.
  • We provide product liability coverage of up to $2 million dollars.
  • We provide coverage for U.S. residents only.
  • We do not cover contents in any case.
  • There is no deductible with our policy. 

 

Hands On Trade Association Exclusions:

Exclusions include but not limited to:

  • Permanent Makeup and Tattooing
  • Structural Manipulations
  • Laser Hair Removal
  • The dying, coloring, perming, or tinting of eyelashes
  • Body Piercing of any type
  • Medical Esthetician procedures
  • T-bars
  • Sexual Abuse
  • Acquired Immune Deficiency Syndrome
  • Transmission of Communicable Diseases
 

Professional Rate: $165.00 per year

Student to Professional 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.

We cover students while they are in school and then upgrade them for free when they become licensed professionals.

Animal Massage Therapy Insurance Sublimit

We provide $25,000 of animal therapy insurance coverage per occurrence. 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 caused 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.​​