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Professional Liability Insurance

Insurance coverage is essential for professionals of any trade and their businesses. Being an independent contractor doesn't exclude you from the importance of having a quality professional liability insurance policy, it's just as important as ever.

The Hands On Trade Association takes pride in offering professional liability insurance to a range of skilled professional areas including: massage therapy and bodywork, beauty and esthetics, and a host of other professions.

Explore some of the details of the insurance we offer and get a policy that protects you and your business.

Our Insurance Covers: Beauty, Bodywork, Massage, and More

Professional liability insurance is usually thought about in the context of white-collar and blue-collar professions, but it's important no matter the kind of business you run.

Explore what independent professionals and procedures we cover with our insurance policy for $175 a year.
Scroll across and follow links for more information.

Beauty	Bodywork	Coaches/Trainers	Movement Education
Beauty	Bodywork	Aerial Fitness Trainers	Barre Instructors
Cosmetologists	Energy Work	Birth Fit Trainers	Body Mapping
Estheticians	Massage Therapy	Fitness Instructors	Eurythmy Therapy
Nail Technicians	Animal Massage	Forest Therapy	Feldenkrais Method®
Advanced Esthetics	Dance Instructors	Health Coaches	Franklin Method
Body Contouring	Pilates Instructors	Life Coaches	Functional Manual Reaction
Cryotherapy	Yoga Teachers	Meditation Instructors	Handle Therapy
Microblading		Nature Therapy	Hanna Somatic Movement Therapy
		Personal Trainers	Katsugen Undo
		Stress Management Trainers	Qi Gong
		Tai Chi Instructors	Trager®

Insurance Coverage Details

It's crucial you understand the policy you get and how our professional liability insurance works for you. Learn more about our insurance options below:

Professional Liability Insurance:

"Malpractice Insurance" in case you hurt your client.

$2 million dollars of professional liability insurance coverage per occurrence.

General Liability Insurance:

"Slip and Fall Insurance" in case your clients hurt themselves.

$2 million dollars per occurrence of general liability insurance coverage.
$3 million dollars in annual aggregate.

Liability Insurance Coverage:

Product Liability Coverage up to $2 million dollars.
Premises Insurance covering damages up to $100,000 doallars per year.
Coverage for U.S. residents only.
No coverage of contents.
There is no deductible with this policy.
Coverage travels with you anywhere you go to do your profession.

Insurance Policy Exclusions:

Exclusions include but not limited to:

No coverage of Contents
Permanent Makeup and Tattooing
Any Invasive Procedure
Human Structural Manipulations
Body Piercing of Any Type
Medical Esthetician Procedures
Ear Candling
T-bars
Sexual Abuse
Acquired Immune Deficiency Syndrome
Cryo Chambers/Beds* Any claim based on or arising out of a room, chamber, sauna, tank, or other device for rendering services or treatment by applying cold temperatures to a person's body by refrigeration, or cryonic or cryogenic means. However, this exclusion shall not apply to the use of any strictly handheld device for delivering cryotherapy treatment to a specifically localized body part.*

Additional Insured:

As an Independent Contractor, you may be required to name or add a landlord or a business as an "Additional Insured" as a condition of renting a room, space, booth, or chair.

One or more Additional Insured can be added when you sign up, or anytime during your policy period for $10 each.

Certificate Holder Additional Insured means any landlord, owner, or property manager of the Designated Premises; or any trade show or convention sponsor or operator; where required by written contract.

Woman smiling outdoors

Student Insurance Coverage:

We can provide liability insurance coverage for students in any of our professional areas for $75 for one year (365 days).
Students can 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 graduate and become licensed professionals, for a total of (365 days) of coverage.

Student to Professional Rate:
Even if a school provides students with insurance coverage, individual students can still take advantage of our FREE Student / Professional Upgrade by signing up a few days before graduation.

*A student can still sign up at the “student rate” anytime up to the day before they receive their license, certificate, or diploma.

That’s a savings of a hundred dollars and a student member would not have to pay the full professional rate of $175 until (365 days) from their initial application date.

Animal Massage Sub-limit:

The total liability of the 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.
Visit the Animal Massage page for more details.

Woman doing paperwork

About our Insurance Provider:

The Insurance portion of the Hands On Trade Membership Benefits Package is provided by MarshMclennan Agency.

***The Liability Master Policy is issued to the Wellness and Beauty Association Risk Purchasing Group, members of which are also members of the Hands On Trade Association, Inc. Professional Liability and Commercial General Liability coverage under the Hands On Trade program is underwritten by Evanston Insurance Co, a Markel Corporation company rated “A” (Excellent) by A.M. Best. MarshMclennan Agency serves as our agent. Brown & Riding Insurance Services, Inc serves as the surplus lines broker. The Hands On Trade Association is NOT an insurance company.***