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Poll Results for the following Question:

How much do you pay annually for liability insurance?

Results:

Under $100
9.1%
$100 - $150
20.1%
$150 - $200
27.3%
$200 - $250
30.6%
More than $250
12.9%

Total Respondents: 209

Comments:

Note: These comments are reproduced as written by visitors to this Web site.
They have not been edited for content, grammar, or spelling.



 Right now I don't carry liability insurance at all. Massage is very safe, and the chance of being sued is negligible. The only reason (IMHO) to carry insurance is that some employers require it to cover their own assets. Since my net worth is low, I'm not worried about it.

A study published in the Nov. 11 1998 issue of JAMA compared the claims rates and average settlement amount for several health professions. MT's had a claims rate ranging from 0% to .3% per practitioner (not per client), including general liability like slip and fall. The average settlement amount was on the order of $4000. In other words, liability insurance for MT's is so inexpensive because the liklihood of needing it is infinitessimal!

That said, the poll question is unfair and misleading because comparing insurance costs to full membership packages of professional organizations assumes that the only reason people join these organizations is for the insurance, which is obviously false. I'd call this a "push-poll" for your insurance advertiser.

Sincerely,

Donald F. Schiff, BS
NM LMT #8
NM RMTI #I-112


$150 - $200 I get my insurance through 2 sources. I have lots of coverage. I believe it is important today in business.


Under $100 In more than 20 years of practice, I have never carried liability insurance. All clients are by personal referral. I have a relationship with all clients. In the few instances someone has been unhappy with my work, I have given additional sessions for free, made sure they saw someone else, and kept in contact. Dr. Patch Adams has interesting ideas on the down side of malpractice insurance, check out the philosophy of the Gesundheit Institute.

Anonymous
$150 - $200 This amount is part of my ABMP annual dues. It's expensive, but less than AMTA (after the three year "required upgrade" to professional level) and part of why I switched. Same amount of insurance coverage.

Anonymous
$150 - $200 I am an L.P.N. also and this includes liability coverage for nursing.

Anonymous
$200 - $250 bravo to the previous respondant!!! Well said. I think Massage Today has crossed ethical boundaries with their two recent issues. Up until those two issues I thought it was a pretty good newspaper. Talk about causing division in our profession!

Anonymous
Under $100 Who has a great deal on insurance?

Anonymous
 Gee, what a coincidence your latest issue had a prominent front page chart showing (or should we say designed to show) a certain company offering the cheapest insurance AND had a full back page ad from the SAME COMPANY!! What an expose that insurance chart was! What hard hitting journalism! But I'm sure it was all a mistake and it was AMTA's fault. After all, according to your articles and editorial line, isn't everything?


$200 - $250 It's part of the total AMTA package. I would be interested in learning of lower competitive pricing as my 5 year membership with the AMTA comes to an end.


$150 - $200 I would not be involved with the AMTA for any reason whats-so-ever!!! ABMP is the best!!!! They are so helpful and I don't believe they would ever do anything to hurt our profession such as the current laswsuit going on!! How unprofessional can the AMTA get???


$100 - $150 I would ask WHY you are wanting this vote to list the ENTIRE amt of dues paid if only a portion of it is for liability insurance. This confuses the issue if in fact you are only wanting to see what someone pays for liability insurance. You also need to ask HOW MUCH insurance this $ amt. buys. Printing these figures as statistics is not ethical in my opinion if you do not tell all the facts. Feel free to contact me. I really like your paper but do not like the way you have handled this thing with the AMTA.


$150 - $200 As a member of the New York State Society of Medical Massage Therapists (NYSSMMT),I have insurance with the IMA at a reduced rate.

Anonymous
$200 - $250 It amazes me that so many people are willing to condem the AMTA when they hear only one side of a story.. I hope none of these people ever sit on a jury. The point that so many seem to be missing regarding "insurance" is the insurances listed are just that,, insurance. The AMTA insurance cost is only 25% of the fee paid, the rest goes toward research, grants, public awareness, education, chapters etc.

When I read people complaining about continuing education requirements I hope no one I know ever happens to make an appointment with one of these so called therapists. 500 hours or less does not make one a professional. If you think it does, you are deluding yourself. Becoming a professional takes years of dedication and training, there is not a profession out there that does not require continuing education.

As massage therapy continues to increase in popularity and acceptance as a legitimate form of healthcare the standards will continue to increase. Those who do not accept this basic fact and get with the program will be left behind. PTs, Chiropractors and others have all gone through this, you do not see any chiropractors practicing without a license or excellent insurance and network suport.


 I've always had a "bad feeling" about AMTA, I could never put my finger on it, so I went with another insurer even though some of my co-workers thought I was crazy. Now, They don't think I'm so crazy.

hedwigvillage.net
$100 - $150 I am curious if you have comparable information about insurance policies for massage therapists and the product liability. We use so many different products - what is our liability and which policies would protect us?

Anonymous
$150 - $200 I changed from AMTA to ABMP this year, driven by the need to cut expenses, not only on dues but on outlay for education requirements (ABMP makes a certain level of continuing education the criterion for a higher level of membership but does not require it of all insured members). At the time I hadn't had the benefit of reading in MT a comparison of all available associations and insurance. I had talked to ABMP members before making my switch, but truly, I was not aware of my other options. I may change again after having the opportunity to evaluate further information about the different associations and perhaps glean comments from other members of these groups.

Anonymous
$100 - $150 insurance provider is healthcare Providers Liability Insurance

Anonymous
$200 - $250 AS WITH ANY ORGANIZATION THERE ARE UPS AND DOWNS. I DO NOT SUPPORT THE AMTA USING MY DUES FOR A LAW SUIT THAT IS TRUELY A WASTE OF TIME AND MONEY. I ENJOY YOUR PAPER AND HOPE TO CONTINUE TO DO SO. AS WITH ANY MAIL IF I DO NOT WANT, IT ENDS UP IN THE TRASH (LIKE ALL THE CREDIT CARD APPS FROM THE AMTA). NO PROBLEM. I KNOW THAT ANYONE CAN GO ON THE INTERNET AND FIND A LIST OF PROFESSIONALS AND USE IT TO MAIL TO THEM.
BUT I AM ALSO SICK AND TIRED OF MASSAGE THERAPIST COMPLAINING OF THIS OR THAT AND YET THE STAY UNINVOLVED. AS AN ACTIVE AMTA MEMBER I GO TO THOSE MEETING AND OF A MEMBERSHIP OF 1900 OR SO AND 800 PROFESSIONAL MEMBERS, WE GET AN AVARGE OF 30 TO 40 MEMBERS SHOWING UP AT MEETINGS. I HAVE TALKED WITH MANY MASSAGE THERAPIST OF OTHER ORGANIZATIONS AND THEY GET INSURANCE AND A MAGAZINE. WE AT THE AMTA HAVE HAD TV, NEWS MEDIA ALL PROMOTING MASSAGE AND THE AMTA MEMBERS. THE LOCATOR SERVICE OF THE AMTA HAS SET ME MANY CLIENTS. AND AS A MEMBER WE GET CONTINUEING EDUCATION OFFERED AT DISCOUNTS. BESIDES THE INSURANCE AND MAGAZINE. THE AMTA PROMOTES GROWTH AND EDUCATION OF MASSAGE THERAPIST. SO DOES MASSAGE TODAY. IF YOU LOOK AT THE ORGANIZATIONS, FOR THE MONEY YOU ARE GETTING WHAT YOU PAY FOR. AS ANY SMART BUSINESS PERSON KNOWS "YOU HAVE TO SPEND MONEY TO MAKE MONEY"

Anonymous
More than $250 I currently pay over $250/yr. through AMTA. Although I have enjoyed my relationship with this organization, I am seriously considering finding a more cost effective source as many of my coworkers have already done. They are still involved, to a point, with AMTA, but not paying the high dues of that organization. I would love to know where the person paying only $100/yr. for AMTA dues is living, and if they are a professional member or merely a student.

Anonymous
More than $250 I currently pay over $250/yr. through AMTA. Although I have enjoyed my relationship with this organization, I am seriously considering finding a more cost effective source as many of my coworkers have already done. They are still involved, to a point with AMTA, but not paying the high dues of that organization. I would love to know who the person paying only $100/yr. for AMTA dues is living, and if they are a professional member or merely a student.


More than $250 I have recently elected to not renew my membership dues, liabiilty insurance coverage from the AMTA. It was even more convincing after seeing the lawsuit in your last two issues (my lastest newsletter from the AMTA finally mentioned it).

I was paying $275 a year for the dues for the main organization and the state one combined. I also felt that I was getting very little for it. Now I am starting to look into more affordable (for me) insurance that will benefit not only my clients, but my bank account as well.

I was having to raise my rates in order to cover the cost of the insurance. Just like the health insurance, the only one that seemed to be getting rich are the ones who can control what goes on in our practices, possibly affecting the quality of work that we can provide.

Catherine A. Yezak

Anonymous
Under $100 The AMTA is the most professional active group in the world
today. Their efforts and ethics have established massage as an
acceptable alternative option to help the public establish and
maintain their health.
my opinion of MT has been molded by their negativeity, bias
and skirting the ethical boundrys that the quest for money
power and acceptance can encourage.
i have although enjoyed in particular the informative and
ethically appropriate articles by Ben Benjamin.it is my opionion
that it is his input and only his input that has given your
organization any
credibility; but that is not enough i feel your organization will in
the long run do more damage to the profession in it's drive for
political power.why dont you just sell massage related
products. and ensure quality to the consumer.
your political posturing is reprehensible!
my vote continues to support the AMTA!!

Anonymous
$200 - $250 My total fees include money for research in massage, foundation grants, grants for licensing efforts, public awareness campaigns, scholarships, member services, excellent publications, low cost education and on and on. The insurance itself is a bargain. AMTA Professional Member.

Associate Members pay much less.


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