amt
association of massage therapists
Insurance
Practitioner Insurance
The purpose of insurance is to provide you and your client with maximum protection while you are acting in your professional capacity.
Professional Indemnity insurance gives you protection against any bodily or mental injury, illness, disease or death of a client caused by any negligent act, error or omission committed by you in or about the conduct of your professional duties.
Public Liability insures you against loss or damage to clients (and others) due to an unsafe environment e.g. slippery floors, faulty equipment etc.
Products Liability covers you for claims that a product that you provided caused harm, like an injury caused by therapy equipment. Please refer to our fact sheet on Therapeutic Devices and Massage Tools for further information on managing your liability.
All new applicants who wish to gain provider recognition with ARHG, Australian Unity, BUPA, HCF and NIB will need to hold at least $2 million dollars' professional indemnity and 10 million dollars’ public liability insurance per claim (i.e. this means each and every claim, not claims in the aggregate).
AMT has partnered with Guild Insurance to provide tailored insurance cover for AMT members.
Take the pressure off with Guild Insurance
At Guild Insurance, we understand that being a massage therapist means more than just delivering physical relief. It's about building your clients' trust and providing care that is as personal as it is professional. That's why we have worked closely with your profession to create insurance that supports your work and protects your livelihood.
With over 60 years of experience looking after allied health professionals, we know the unique risks you face as a massage therapist. That's why we don't offer off-the-shelf policies when it comes to looking after your livelihood. Our cover is designed to provide massage therapists across Australia with tailored and comprehensive insurance built with your needs in mind.
Why choose Guild?
Choosing the right insurer means working with a team who genuinely understands your profession, which is why AMT has chosen to partner with us as their preferred insurance provider. While our partnership with AMT is new, our commitment to allied health professionals runs deep. Over the past 60 years, we've developed policies that reflect the realities of your work, from the physical demands of client care to the risks you may face day to day. Together with AMT, we're here to offer support, protection, and peace of mind when you need it most.
Here are just some of the things you can look forward to when choosing us to protect your livelihood:
- A policy endorsed by AMT, developed across Guild's 60-plus years of experience insuring professionals like you
- The flexibility of a free pay-by-the-month payment option
- The ability to work directly with Guild decision-makers when adding modalities to your policy or making a claim
- Access to risk management advice through RiskHQ, our online risk management resource centre
- Support from Meridian Lawyers, one of Australia’s pre-eminent professional liability defence teams, in the event of a complaint against you
- Convenient policy management via PolicyHub, where you can view and manage your policy online, anytime, anywhere.
Insurance that hits the spot
Your work is unique, and so is our protection. We offer a package that combines professional indemnity, public liability, and products liability all in one policy:
- Professional indemnity covers claims from clients that your treatment or advice caused them harm, covering legal costs and compensation you may be required to pay.
- Public liability protects you if a client is injured at your premises, or when you're practising off-site at homes or community settings.
- Products liability is coverage if a product you provide causes harm, like an injury caused by therapy equipment.
Extra benefits
- Nil excess on most liability claims
- Run-off cover that protects you when you've ceased practising permanently
- Cover for legal costs and expenses associated with complaints to regulatory healthcare complaint bodies, disciplinary proceedings or coronial inquiries
- A 21-day cooling-off period, allowing you to change your mind after purchasing coverage
- 24/7 claims support where we've got your back when you need it most
- Exclusive member rates for all AMT members.
Exclusive premiums just for AMT members
Here's a snapshot of what you can expect to pay when you're insured with Guild:
- $2 million professional indemnity and $20 million public liability – starting from $157.93 per annum*
- $5 million professional indemnity and $20 million public liability – starting from $204.61 per annum*
- $10 million professional indemnity and $20 million public liability – starting from $251.23 per annum*
- $20 million professional indemnity and $20 million public liability – starting from $318.13 per annum*
*These premiums are indicative only and may vary based on individual circumstances. For a personalised quote, please visit guildinsurance.com.au or contact our Customer Care team on 1800 810 213.
Give us a call
We're proud to be AMT's preferred insurance partner and we're here to support you with cover that's designed for what you do. If you're ready to take the next step, give our friendly team a call on 1800 810 213 or request a quote online at guildinsurance.com.au. We'd love to help take the weight off your shoulders.
Disclaimer
Insurance issued by Guild Insurance Limited ABN 55 004 538 863, AFS Licence No. 233791 and subject to terms, conditions and exclusions. This information is of a general nature. Guild Insurance supports the Association of Massage Therapists through the payment of referral fees for certain products or services you take out with them. Please refer to the Policy Disclosure Statement (PDS) available at guildinsurance.com.au/doc to see if this product is right for you. For more information, call 1800 810 213.
Student Insurance
Students are only covered for techniques and material they have been taught at a Registered Training Organisation (RTO).
Students must always identify their student status to the client. This may be in the form of a letter that the client signs e.g. 'I understand that I am receiving Massage Therapy from a Student Therapist'.
Please contact the insurance broker/authorised representative directly if you have further policy questions.
A note about home and contents insurance
If you are operating your practice from home, you need to make sure you have declared this to your home and contents insurance policy provider or you risk voiding your home insurance. Home and contents insurance is a separate cover to your professional indemnity and public liability cover, however some insurance companies do offer combined policies that cover everything.
AMT does not have any kind of preferred provider arrangements with home and contents insurance providers so we cannot make a specific recommendation in this area. Your current home and contents provider may cover home-based businesses so you just need to make sure you have disclosed the business activity to them.
There are many companies that offer cover that includes home-based business. Here are some links to get you started.
If you are running a business from a rental property, you will need to make sure that your landlord has been notified of the business and has, in turn, noted the business activity in their landlord's insurance policy.
