{"id":16110,"date":"2025-04-03T12:44:05","date_gmt":"2025-04-03T16:44:05","guid":{"rendered":"https:\/\/www.assur360.ca\/massage-therapist-insurance-quote-2\/"},"modified":"2026-04-20T15:21:30","modified_gmt":"2026-04-20T19:21:30","slug":"massage-therapist-insurance-quote-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/massage-therapist-insurance-quote-2\/","title":{"rendered":"Massage Therapist Insurance: Quote"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">QUICK QUOTE<\/p>\n  <h2 style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Massage-Therapist-Insurance-Protect-Your-Professional-Practice\"><\/span>Massage Therapist Insurance: Protect Your Professional Practice<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 auto 32px;max-width:700px;line-height:1.6;\">As a massage therapist in Quebec, you are dedicated to the well-being of your clients. Like any health professional, you are exposed to <strong>legal and financial risks<\/strong>. Appropriate <strong>professional liability insurance<\/strong> allows you to practice with peace of mind, starting at about <strong>$15\/month<\/strong>.  <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"max-width:1200px;margin:40px auto;padding:0 16px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px;align-items:center;\">\n    <figure style=\"margin:0;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/04\/assurance-massotherapeute.png\" alt=\"Professional liability insurance for massage therapists in Quebec\" style=\"width:100%;height:auto;border-radius:16px;display:block;\"\/><\/figure>\n    <div>\n      <h2 style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Coverage-tailored-to-your-practice\"><\/span>Coverage tailored to your practice<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 14px;\">Whether you practice <strong>Swedish massage<\/strong>, <strong>deep tissue<\/strong>, <strong>lymphatic drainage<\/strong> or <strong>physiotherapy<\/strong>, your profession involves very real risks: muscle injury, skin reaction, falls in the clinic. A single lawsuit can be up to <strong>$50,000<\/strong> in legal fees. <\/p>\n      <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 20px;\">Assur360 shops for you with several specialized insurers and finds the coverage that fits your status, your places of practice and your sales \u2014 starting at <strong style=\"color:#10c4c7;\">$15\/month<\/strong>.<\/p>\n      <ul style=\"margin:0;padding:0;list-style:none;\">\n        <li style=\"padding:8px 0;color:#0d1f2d;\"><span style=\"color:#10c4c7;font-weight:800;\">\u2713<\/span> Recognized by the <strong>FQM, RMPQ, ANQ<\/strong><\/li>\n        <li style=\"padding:8px 0;color:#0d1f2d;\"><span style=\"color:#10c4c7;font-weight:800;\">\u2713<\/span> Attestation by email within <strong>24 hours<\/strong><\/li>\n        <li style=\"padding:8px 0;color:#0d1f2d;\"><span style=\"color:#10c4c7;font-weight:800;\">\u2713<\/span> <strong>Coverage $2 million standard, up to $5 million<\/strong><\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"max-width:1200px;margin:40px auto;padding:0 16px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;background:#f8fafc;padding:32px 24px;border-radius:16px;border-top:4px solid #10c4c7;\">\n    <div style=\"text-align:center;\">\n      <div style=\"color:#10c4c7;font-size:36px;font-weight:800;line-height:1;\">$15\/month<\/div>\n      <div style=\"color:#64748b;font-size:13px;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">From<\/div>\n    <\/div>\n    <div style=\"text-align:center;\">\n      <div style=\"color:#10c4c7;font-size:36px;font-weight:800;line-height:1;\">$2M<\/div>\n      <div style=\"color:#64748b;font-size:13px;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Standard Coverage<\/div>\n    <\/div>\n    <div style=\"text-align:center;\">\n      <div style=\"color:#10c4c7;font-size:36px;font-weight:800;line-height:1;\">100 K+<\/div>\n      <div style=\"color:#64748b;font-size:13px;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Satisfied customers<\/div>\n    <\/div>\n    <div style=\"text-align:center;\">\n      <div style=\"color:#10c4c7;font-size:36px;font-weight:800;line-height:1;\">24 hrs<\/div>\n      <div style=\"color:#64748b;font-size:13px;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Submission deadline<\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-does-a-massage-therapist-need-to-be-insured-in-Quebec\"><\/span>Why does a massage therapist need to be insured in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, several professional associations (FQM, RMPQ, ANQ) <strong>require professional liability insurance<\/strong> to maintain membership. Even without obligation, practicing without protection exposes you to costly lawsuits: a client can claim a muscle injury, a skin reaction, or a worsening of condition after treatment. Without coverage, legal fees and compensation can run into the tens of thousands of dollars and jeopardize your career.  <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-massotherapie.jpg\" alt=\"Massage therapist in consultation \u2014 Assur360 insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Massage-therapy-insurance-complete-protection\"><\/span>Massage therapy insurance: complete protection<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">Massage therapists who are members of a <strong>recognized federation (FQM, RMQ, ANQ)<\/strong> can obtain professional liability from <strong>$180 to $350\/year<\/strong>. Covers muscle injuries, burns (heating oils), allergies and disciplinary complaints. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>At home vs. clinic:<\/strong> mobile massage therapists must add coverage for <em>transported equipment<\/em> (portable table, oils) and <em>RC at the client&#8217;s home<\/em>. Mention your practice to your broker. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"max-width:1200px;margin:40px auto;padding:0 16px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;\">\n    <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n      <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:700;margin:0 0 12px;\">Professional Liability<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Protects you from claims for injury, negligence or harm caused during massage therapy treatment. Standard coverage of <strong>$2 million<\/strong>. <\/p>\n    <\/div>\n    <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n      <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:700;margin:0 0 12px;\">General Liability<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Covers bodily injury or property damage that occurs in your clinic: a client&#8217;s fall, a broken personal belonging, oil damage, etc.<\/p>\n    <\/div>\n    <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n      <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:700;margin:0 0 12px;\">Business property<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Protects your massage table, oils, sterilization equipment and equipment in case of theft, vandalism, fire or water damage.<\/p>\n    <\/div>\n    <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n      <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:700;margin:0 0 12px;\">Legal defence costs<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Covers attorneys&#8217; fees and court costs if a client sues you, even if the complaint is unfounded.<\/p>\n    <\/div>\n    <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n      <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:700;margin:0 0 12px;\">Cyber Insurance (Option)<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">If you manage customer records online, protects you from data leaks, hacking, and notification obligations (Bill 25).<\/p>\n    <\/div>\n    <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:28px;border-radius:12px;\">\n      <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:700;margin:0 0 12px;\">Business interruption<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Compensates for your loss of income if a disaster prevents you from practising (clinic fire, major damage, etc.).<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-massage-therapist-insurance-cost-in-Quebec\"><\/span>How much does massage therapist insurance cost in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The price of massage therapist insurance varies according to your status (self-employed, clinic owner), the number of employees, your annual turnover, the place of practice (at home, in the clinic, outside) and the techniques practiced (Swedish, sports, deep tissue, lymphatic drainage). Here is an indicative range: <\/p>\n\n<div style=\"max-width:1200px;margin:32px auto;overflow-x:auto;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px;text-align:left;\">Massage Therapist<\/th>\n Profile<th style=\"padding:14px;text-align:left;\">Coverage<\/th>\n<th style=\"padding:14px;text-align:left;\">Estimated annual premium<\/th>                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">Self-employed (home-based)<\/td>\n        <td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">$2 million or prof. <\/td>\n        <td style=\"padding:14px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#10c4c7;\">$180 \u2013 $250<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">Self-employed (in a shared clinic)<\/td>\n<td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">$2M + General<\/td>\n RCA<td style=\"padding:14px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#10c4c7;\">$220 \u2013 $320<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">Clinic Owner (1-3 employees)<\/td>\n        <td style=\"padding:14px;border-bottom:1px solid #e2e8f0;\">$5 million + goods<\/td>\n        <td style=\"padding:14px;border-bottom:1px solid #e2e8f0;font-weight:700;color:#10c4c7;\">$650 \u2013 $1,200<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:14px;\">Multidisciplinary Clinic (4+ Pros)<\/td>\n        <td style=\"padding:14px;\">$5M + Goods + Cyber<\/td>\n        <td style=\"padding:14px;font-weight:700;color:#10c4c7;\">$1,400 \u2013 $2,800<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n  <p style=\"font-size:13px;color:#64748b;margin-top:8px;font-style:italic;\">Indicative rates for 2026. For an exact price, request a <a href=\"https:\/\/www.assur360.ca\/en\/quote-insurance-product\/\" style=\"color:#10c4c7;\">personalized quote<\/a>. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-quote-in-4-steps\"><\/span>How to get your quote in 4 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:32px auto;padding:0 16px;\">\n  <div style=\"display:flex;flex-direction:column;gap:20px;\">\n    <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;padding:24px;border-radius:12px;\">\n      <div style=\"background:#10c4c7;color:#ffffff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">1<\/div>\n      <div><h3 style=\"margin:0 0 8px;color:#0d1f2d;font-size:18px;\">Fill out the online form<\/h3><p style=\"margin:0;color:#475569;line-height:1.6;\">A few questions about your practice: status, location, techniques, turnover. It takes less than 3 minutes. <\/p><\/div>\n    <\/div>\n    <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;padding:24px;border-radius:12px;\">\n      <div style=\"background:#10c4c7;color:#ffffff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">2<\/div>\n      <div><h3 style=\"margin:0 0 8px;color:#0d1f2d;font-size:18px;\">An AMF-certified broker contacts you<\/h3><p style=\"margin:0;color:#475569;line-height:1.6;\">Within 24 business hours, a broker specializing in professional insurance analyzes your needs.<\/p><\/div>\n    <\/div>\n    <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;padding:24px;border-radius:12px;\">\n      <div style=\"background:#10c4c7;color:#ffffff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">3<\/div>\n      <div><h3 style=\"margin:0 0 8px;color:#0d1f2d;font-size:18px;\">Compare multiple insurers<\/h3><p style=\"margin:0;color:#475569;line-height:1.6;\">We shop with several companies to get you the best coverage\/price ratio.<\/p><\/div>\n    <\/div>\n    <div style=\"display:flex;gap:20px;align-items:flex-start;background:#f8fafc;padding:24px;border-radius:12px;\">\n      <div style=\"background:#10c4c7;color:#ffffff;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;flex-shrink:0;\">4<\/div>\n      <div><h3 style=\"margin:0 0 8px;color:#0d1f2d;font-size:18px;\">Take out and exercise with peace of mind<\/h3><p style=\"margin:0;color:#475569;line-height:1.6;\">You will receive your certificate by email and can send it to your professional association.<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Broker-advice-what-to-check-before-subscribing\"><\/span>Broker advice: what to check before subscribing<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:32px auto;padding:0 16px;\">\n  <div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:16px;padding:32px;color:#ffffff;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">EXPERT ADVICE<\/p>\n    <h3 style=\"color:#ffffff;font-size:22px;margin:0 0 16px;\">Read the exclusions in your policy carefully<\/h3>\n    <p style=\"color:#cbd5e1;line-height:1.7;margin:0 0 12px;\">Several entry-level policies exclude certain techniques (Thai massage on a floor table, manual lymphatic drainage, fasciatherapy). Others exclude home care at the client&#8217;s home. Before signing, ask for a written list of the techniques covered, and confirm that your place of practice (clinic, home, sporting events) is included.  <\/p>\n    <p style=\"color:#cbd5e1;line-height:1.7;margin:0;\">Also check the <strong style=\"color:#10c4c7;\">subsequent warranty period<\/strong> : if a client complains 2 years after treatment, are you still covered even if you have changed insurers?<\/p>\n  <\/div>\n<\/div>\n\n<div style=\"max-width:1200px;margin:32px auto;padding:0 16px;\">\n  <div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;\">\n    <h3 style=\"color:#991b1b;margin:0 0 12px;font-size:18px;\">\u26a0 Warning: without insurance, you risk a lot<\/h3>\n    <p style=\"color:#7f1d1d;margin:0;line-height:1.6;\">A single lawsuit for injury, hot oil burn, fall during a session or allergic reaction can result in defence costs of <strong>$15,000 to $50,000<\/strong>, in addition to a possible indemnity. Most professional associations will refuse to represent you if you are not insured at the time of the incident. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Massage-Therapists-Served-Throughout-Quebec\"><\/span>Massage Therapists Served Throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:32px auto;padding:32px 24px;background:#f0fdfa;border-radius:16px;\">\n  <p style=\"color:#0d1f2d;font-size:16px;line-height:1.7;margin:0 0 16px;\">Our brokers insure massage therapists throughout Quebec, including <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>. Whether you work in a spa, a multidisciplinary clinic, at home or in a sports environment, we adapt your coverage to your regional reality. <\/p>\n    <p style=\"color:#475569;font-size:14px;margin:0;font-style:italic;\">Do you practice in another municipality? Ask for your quote anyway \u2014 we cover the entire territory of Quebec. <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ-%E2%80%94-Massage-Therapist-Insurance\"><\/span>FAQ \u2014 Massage Therapist Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:32px auto;padding:0 16px;\">\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Is professional liability insurance mandatory for a massage therapist in Quebec?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p>There is no provincial law that makes insurance mandatory to practice massage therapy in Quebec. However, the main professional associations (<strong>F\u00e9d\u00e9ration qu\u00e9b\u00e9coise des massoth\u00e9rapeutes (FQM)<\/strong>, R\u00e9seau des massoth\u00e9rapeutes professionnels du Qu\u00e9bec (RMPQ), Association des naturoth\u00e9rapeutes du Qu\u00e9bec) <strong>require civil and professional liability insurance<\/strong> to maintain membership and allow your clients to claim reimbursement from group insurance. <\/p>\n  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">How much does massage therapist insurance cost in Quebec?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p>For a self-employed person with a standard coverage of $2 million, annual premiums range from <strong>$180 to $320<\/strong>, or about <strong>$15 to $27 per month<\/strong>. An employee-driven clinic can pay between $650 and $2,800 per year depending on the number of workers and the techniques practiced. <\/p>\n  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">What is the difference between civil liability and professional liability?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p><strong>General civil liability<\/strong> covers bodily injury or property damage caused to a third party in the course of your activity (a customer slips while leaving the room, you spill a bottle of oil on his handbag).<\/p>\n    <p><strong>Professional liability<\/strong> covers faults, errors or omissions committed in the course of your professional act (wrong manoeuvre, muscle injury, inadequate advice). Both are essential and often sold together. <\/p>\n  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Am I covered if I give massages at home at the client&#8217;s home?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p>It depends on your policy. Many insurers include trips to <strong>the customer&#8217;s premises<\/strong> by default, but some entry-level policies limit coverage to business premises. Always tell your broker that you offer care at home, on film sets, in a sports environment or in a business to avoid unpleasant surprises.  <\/p>\n  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">What massage therapy techniques are covered?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p>Standard fonts typically cover <strong>Swedish, Californian, deep tissue, sports, prenatal, chair, physical therapy<\/strong>. More specialized techniques \u2014 <strong>manual lymphatic drainage (Vodder), fasciatherapy, shiatsu, traditional Thai, Ayurvedic, reiki, polarity<\/strong> \u2014 may require a specific mention or an endorsement. Ask for the complete list before signing.  <\/p>\n  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Does my insurance cover my massage table and equipment?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p><strong>Professional property<\/strong> insurance covers your equipment (massage table, sheets, oils, sterilization devices, computer, payment terminal) against fire, theft, vandalism and certain water damage. For a mobile kit, opt for <strong>&#8220;all-risk&#8221;<\/strong> coverage that includes damage during transport. <\/p>\n  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">What happens if a client sues me after I stop practicing?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p>Check the <strong>run-off coverage<\/strong> of your policy. Most insurers offer retroactive coverage from 1 to 5 years after the end of the contract, provided that they have been insured continuously during the period in which the alleged act was committed. This is crucial if you change insurers or retire.  <\/p>\n  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Can I add my employees or interns to my policy?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p>Yes. If you are a clinic owner, you can purchase a <strong>group policy<\/strong> covering all your salaried, contract and trainee massage therapists. This simplifies management and generally offers a better rate per professional than individual coverage. <\/p>\n  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">How long does it take to get a certificate of insurance?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p>With Assur360, the average time is <strong>24 to 48 business hours<\/strong> between requesting a quote and receiving your certificate by email. For urgent cases (employee return, corporate event), we can speed up the process. Call <a href=\"tel:+18663574451\" style=\"color:#10c4c7;\">1-866-357-4451<\/a>.  <\/p>\n  <\/div>\n<\/details>\n\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n  <summary style=\"background:#f8fafc;padding:18px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Is insurance tax deductible?<\/summary>\n  <div style=\"padding:18px;color:#475569;line-height:1.7;\">\n    <p>Yes. For a self-employed person, professional insurance and civil liability premiums are fully <strong>deductible as a business expense<\/strong> at the <a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu.html\" target=\"_blank\" rel=\"noopener nofollow\">CRA<\/a> and <a href=\"https:\/\/www.revenuquebec.ca\/\" target=\"_blank\" rel=\"noopener nofollow\">Revenu Qu\u00e9bec<\/a>. Keep your insurance bills and report them on the &#8220;Insurance expenses&#8221; line of your T2125 schedule. <\/p>\n  <\/div>\n<\/details>\n\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-choose-Assur360-for-your-massage-therapist-insurance\"><\/span>Why choose Assur360 for your massage therapist insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:32px auto;padding:32px;background:#f0fdfa;border-radius:16px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;\">\n    <div style=\"display:flex;gap:14px;align-items:flex-start;\">\n      <span style=\"color:#10c4c7;font-size:24px;font-weight:800;\">\u2713<\/span>\n      <div><strong style=\"color:#0d1f2d;display:block;margin-bottom:4px;\">AMF-certified brokers<\/strong><span style=\"color:#475569;font-size:14px;\">Supervised by the <a href=\"https:\/\/lautorite.qc.ca\/\" target=\"_blank\" rel=\"noopener nofollow\">Autorit\u00e9 des march\u00e9s financiers<\/a> and the <a href=\"https:\/\/www.chad.ca\/\" target=\"_blank\" rel=\"noopener nofollow\">Chambre de l&#8217;assurance de dommages (the French Damage Insurance Authority<\/a>).<\/span><\/div>\n    <\/div>\n    <div style=\"display:flex;gap:14px;align-items:flex-start;\">\n      <span style=\"color:#10c4c7;font-size:24px;font-weight:800;\">\u2713<\/span>\n      <div><strong style=\"color:#0d1f2d;display:block;margin-bottom:4px;\">100,000+ Quebecers served<\/strong><span style=\"color:#475569;font-size:14px;\">Individuals, self-employed workers and businesses for more than 15 years.<\/span><\/div>\n    <\/div>\n    <div style=\"display:flex;gap:14px;align-items:flex-start;\">\n      <span style=\"color:#10c4c7;font-size:24px;font-weight:800;\">\u2713<\/span>\n      <div><strong style=\"color:#0d1f2d;display:block;margin-bottom:4px;\">Specialists in health professionalsMassage<\/strong><span style=\"color:#475569;font-size:14px;\">therapists, osteopaths, physiotherapists, naturopaths \u2014 we know your job.<\/span><\/div>\n    <\/div>\n    <div style=\"display:flex;gap:14px;align-items:flex-start;\">\n      <span style=\"color:#10c4c7;font-size:24px;font-weight:800;\">\u2713<\/span>\n      <div><strong style=\"color:#0d1f2d;display:block;margin-bottom:4px;\">We<\/strong><span style=\"color:#475569;font-size:14px;\">shop with several companies for the best price.<\/span><\/div>\n    <\/div>\n    <div style=\"display:flex;gap:14px;align-items:flex-start;\">\n      <span style=\"color:#10c4c7;font-size:24px;font-weight:800;\">\u2713<\/span>\n      <div><strong style=\"color:#0d1f2d;display:block;margin-bottom:4px;\">Quote without obligation<\/strong><span style=\"color:#475569;font-size:14px;\">No fees, no obligations. You decide. <\/span><\/div>\n    <\/div>\n    <div style=\"display:flex;gap:14px;align-items:flex-start;\">\n      <span style=\"color:#10c4c7;font-size:24px;font-weight:800;\">\u2713<\/span>\n      <div><strong style=\"color:#0d1f2d;display:block;margin-bottom:4px;\">Service in French throughout Quebec<\/strong><span style=\"color:#475569;font-size:14px;\">Human counsellors, reachable at <a href=\"tel:+18663574451\" style=\"color:#10c4c7;\">1-866-357-4451<\/a>.<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Other-insurance-for-professionals-and-companies\"><\/span>Other insurance for professionals and companies<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:32px auto;padding:0 16px;\">\n  <div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;text-decoration:none;color:inherit;\">\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">Business Insurance<\/h3>\n      <p style=\"color:#475569;font-size:14px;margin:0;line-height:1.5;\">Complete coverage for SMEs and self-employed workers in Quebec.<\/p>\n    <\/a>\n    <a href=\"https:\/\/www.assur360.ca\/en\/cyber-insurance-for-businesses-in-quebec-protect-your-data-2026\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;text-decoration:none;color:inherit;\">\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">Cyber Insurance<\/h3>\n      <p style=\"color:#475569;font-size:14px;margin:0;line-height:1.5;\">Protection against cyberattacks and obligations Bill 25.<\/p>\n    <\/a>\n    <a href=\"https:\/\/www.assur360.ca\/en\/disability-insurance-in-quebec\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;text-decoration:none;color:inherit;\">\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">Disability Insurance<\/h3>\n      <p style=\"color:#475569;font-size:14px;margin:0;line-height:1.5;\">Maintain your income if an injury prevents you from practicing.<\/p>\n    <\/a>\n    <a href=\"https:\/\/www.assur360.ca\/en\/quote-insurance-product\/\" style=\"display:block;background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:12px;text-decoration:none;color:inherit;\">\n      <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 8px;\">All our products<\/h3>\n      <p style=\"color:#475569;font-size:14px;margin:0;line-height:1.5;\">See all the insurance offered by Assur360.<\/p>\n    <\/a>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:40px auto;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">COMPARE AND SAVE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Your-free-quote-in-less-than-3-minutes\"><\/span>Your free quote in less than 3 minutes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our AMF-certified brokers compare several insurers to find you the best massage therapist coverage at the best price.<\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@graph\": [\n    {\n      \"@type\": \"InsuranceAgency\",\n      \"name\": \"Assur360 \u2014 Assurance massoth\u00e9rapeute\",\n      \"url\": \"https:\/\/www.assur360.ca\/assurance-massotherapeute-soumission\/\",\n      \"telephone\": \"+1-866-357-4451\",\n      \"areaServed\": { \"@type\": \"AdministrativeArea\", \"name\": \"Qu\u00e9bec, Canada\" },\n      \"priceRange\": \"$$\",\n      \"description\": \"Assurance responsabilit\u00e9 professionnelle pour massoth\u00e9rapeutes au Qu\u00e9bec. Couverture standard 2 M$, \u00e0 partir de 15 $\/mois. Soumission gratuite en 24 h.\"\n    },\n    {\n      \"@type\": \"FAQPage\",\n      \"mainEntity\": [\n        {\"@type\":\"Question\",\"name\":\"L'assurance responsabilit\u00e9 professionnelle est-elle obligatoire pour un massoth\u00e9rapeute au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aucune loi provinciale ne rend l'assurance obligatoire, mais les principales associations professionnelles (FQM, RMPQ, ANQ) exigent une assurance responsabilit\u00e9 civile et professionnelle pour maintenir l'adh\u00e9sion.\"}},\n        {\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance pour massoth\u00e9rapeute au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour un travailleur autonome avec une couverture de 2 M$, les primes varient entre 180 $ et 320 $ par ann\u00e9e, soit 15 $ \u00e0 27 $ par mois. Une clinique paie de 650 $ \u00e0 2 800 $ par ann\u00e9e.\"}},\n        {\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre la responsabilit\u00e9 civile et la responsabilit\u00e9 professionnelle ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La responsabilit\u00e9 civile g\u00e9n\u00e9rale couvre les dommages aux tiers dans vos locaux. La responsabilit\u00e9 professionnelle couvre les fautes ou erreurs commises pendant l'acte de massoth\u00e9rapie. Les deux sont n\u00e9cessaires.\"}},\n        {\"@type\":\"Question\",\"name\":\"Suis-je couvert si je donne des massages \u00e0 domicile chez le client ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cela d\u00e9pend de votre police. Plusieurs assureurs incluent les d\u00e9placements chez le client, mais certaines polices d'entr\u00e9e de gamme limitent la couverture aux locaux professionnels. 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