Professional Liability Insurance

 The following documents are to be used for a member’s Insurance Registration/Renewal. If you do not have Adobe Acrobat, please click on the Adobe icon on the right of the page to download. This will open a new window.

This INDIVIDUAL LIABILITY POLICY is designed to cover you as an individual practitioner and is not intended to cover Employees, Sub-Contractors, Business Partners or a Commercial Office space you may be renting over 200 sqft. The Insurance limits of this individual policy, is not sufficient for business practices that fall outside these parameters.

This policy includes the following modalities, for insured’s who have successfully completed their continuing education in the following:

(Please note in case of a claim, you will need to provide proof that you are practicing within the scope of your successfully completed education.)

Modalites that are considered within the scope of practice of massage therapy by the College of Massage Therapist of New Brunswick(CMTNB) – Therefore can be added without RMTs submitting a certificate of training. Certificate of training must be available if requested.

Active Release
Anatomy and Physiology
Baths (Hydrotherapy)
Clinical Orthopaedic Assessments
Cold Packs *If the RMT is selling Cold packs then they cannot exceed $10,000 in Gross annual sales. Products cannot be tampered with or relabled.
Cranial Sacral Therapy including Unwinding
Deep Connective Tissue
Deep Flow Massage
Deep Muscle
Esalen Tissue
Hot Packs *If the RMT is selling Hot packs then they cannot exceed $10,000 in Gross annual sales. Products cannot be tampered with or relabled.
Infant Massage
Integrative Manual Therapy
Joint Mobilization
Labour Support Massage
Lomi Lomi
Manual Lymph Drainage
Muscle Energy
Myofascial Release
Neuromuscular Integration and Structural Alignment (NISA)
Neuromuscular Therapy
Perinatal and Pregnancy
Proprioceptive Neuromuscular Faciliation (PNF)
Remedial Exercise
Strain / Counterstrain
Structural Integration
Swedish Massage
Therapeutic Exercise
Traditional Thai
Trigger Point Therapy
Tui Na
Visceral Manipulation

ADDITIONAL MODALITIES: LM Insurance can insure many modalities; however, your policy only insures you for the modalities listed on it. If you practice other modalities you must advise LMI, so we can determine whether or not it can be included on your policy. Please note some modalities are subject to additional premiums.

Modalites that are considered complementary to massage by the College of Massage Therapist of New Brunswick(CMTNB). Modalities are complementary to massage therapy, but are not considered part of the scope of practice. Therefore can be added subject to specified requirements, for those in which we do not require the certificate of training, please note certificates of training must be available, if requested.

Accunect ( Bodytalk) / Accunect (langage corporel)
Alexander Technique / La Technique d’Alexander
Anli Assesment / Évaluation Anli
Aromatherapy / Aromatherapie
Ashiatsu Oriental Bar Therapy / Ashiatsu Thérapie Oriental
Aston Patterning / Le motif d’Aston
Chair Massage / Massage de chaise
Chakra Balancing / Équilibrage des Chakras
Coldwave Laser Therapy / Laser thérapie des vagues froides
Colour Therapy / Thérapie de couleur
Crystal/Gem Therapy/Crystal Light Therapy / Thérapie de cristal, gemme ou lumière de cristal
Cupping Massage (No Flames) / Massage de cupping (pas de flammes) **Certificate of training REQUIRED / *Certificat de formation REQUIS
Emotional Freedom Technique (EFT) / Technique de la liberté affective (TLA)
Energy Work / Travaille d’énergie
Fire and Ice Massage / Massage du feu et de la glace
Guasha **Certificate of training REQUIRED / *Certificat de formation REQUIS
Guided Imagery *No Hypnosis / L’imagerie guidée *pas d’hypnose
Healing Touch / La touche curative
Hot Bamboo Massage / Massage de bambou chaud **Certificate of training REQUIRED / *Certificat de formation REQUIS
Hot Stone Therapy / Traitement de pierres chaudes *Certificate of training REQUIRED/Certificat de formation REQUIS
Houch for Health / La touche pour la santé
IFC-Interferential Current Therapy/ TCI – Traitement de courant interéférentiel
ILD – Integrated Lymphatic Drainage / DLI – Drainage lymphatique intégré
Indian Head Massage / Massage Indienne de tête
Ionization Detoxification / Ionisation désintoxification
Jin Shin
Kinesiotaping *Certificate of training REQUIRED / *Certificat de formation REQUIS
Kokhale Method / Méthode Kokhale
Lava shell / Coquille de lave
Magnified Healing (Energywork) / Guérison magnifiée (travail d’énergie)
Meditation / Méditation
Meridian Massage / Massage méridien
Microcurrent Point Stimulation (MPS) / La stimulation de la point de microcourant (SPM)
Myomassology / Myomassologie
Polarity Therapy / Thérapie de la polarité
Raindrop Therapy / Thérapie de la goutte de pluie
Reiki (1st degree only) / Reiki (1er degré seulement)
Relaxation Massage / Massage de relaxation
Soft tissue release / Libération des tissus mous
Sound Healing / Guérison de son
Success through alignment resteration / Succès grâce à la restauration de l’alignement
Transcutaneous Electrical Nerve Stimulation (TENS) / SNET – La stimulation nerveuse électrique transcutanée
Thai Chi
Thai Yoga Massage / Massage thaïlandais de yoga
Therapeutic Touch / La touche thérapeutique
Therapeutic Ultrasound / Ultrason thérapeutique
Thermal Palms / Des paumes thermiques
Zero Balancing / Équilibrage à Zero

PRODUCT SALES- This policy allows up to $25,000 in product sales- Products must relate to your modality, they cannot be self manufactured, tampered with, nor relabeled. Products can only be sold to existing clients.

This policy is an OCCURRANCE BASED FORM which means claims are covered when they occur during the policy term, regardless of when they are reported. For example if you stop paying for an occurrence based policy when you stop practicing, you will still have coverage for when you WERE practising, no matter when the actual claim is reported.

All practising and provisional members must carry Professional Liability Insurance, which you may purchase through the association. The association’s chosen insurance carrier is Lackner McLennan Insurance Ltd.

Please follow the directions on the site to renew your insurance. If you have any questions, please do not hesitate to contact us via any of the means listed in our ‘contact us’ section.