Review question
Policy family
Separate general liability, professional liability, product liability, and policy-form language before comparing any benefit.
Insurance concepts before carrier recommendations.
This Slice 4 page organizes insurance as policy archetypes and review questions. It does not recommend carriers, quote premiums, verify coverage, compare membership plans, or provide legal or insurance advice.
01 - Decision framework
Compare the question before the policy.
Insurance terms can depend on policy form, state, membership class, practice setting, role, services, exclusions, endorsements, and claim timing. MassageData keeps those as explicit review fields so future coverage claims can be sourced without becoming advice.
Review question
Practice setting
Mobile, in-home, event, leased-room, employee, contractor, student, and practitioner contexts are review factors, not verified coverage conclusions.
Review question
Source standard
Use official policy documents, regulators, and dated association material before publishing costs, limits, exclusions, or availability claims.
02 - Policy archetypes
Every coverage-sounding field carries posture.
These sample archetypes prove the record workflow. No row is marked verified, and no policy type is presented as required, adequate, or sufficient for a reader.
Business liability archetype
General liability
A policy-family record for third-party bodily-injury, property-damage, and related business-liability concepts.
Decision factors
- Compare the official policy language, not only a membership or marketing summary.
- Check whether premises, mobile, in-home, event, or independent-contractor settings are addressed.
- Keep certificates, additional insured requests, exclusions, and limits as separate dated claims.
Some professional associations publish insurance benefit material, but MassageData does not rank or endorse a provider.
Claim readiness
- Coverage concept
General liability is represented as a business-liability concept to compare against official policy documents.
This row is not coverage advice and does not say a massage practitioner should buy a specific policy.- Setting factor
Mobile, in-home, event, leased-room, and contractor settings are held as policy-document review factors.
The atlas has not reviewed actual policy forms, exclusions, contracts, or state-specific insurance rules.- Membership inclusion
Association-published insurance benefits are treated as source-marked benefits, not neutral rankings.
Benefit language can change and may depend on membership category, location, exclusions, and policy terms.
Decision framework only. No premium, carrier, suitability, or legal conclusion is published.
Professional-service allegation archetype
Professional liability
A policy-family record for allegations connected to professional services, kept separate from general business-liability wording.
Decision factors
- Separate general liability, professional liability, and malpractice wording before comparing benefits.
- Check whether occurrence-made or claims-made language appears in the actual policy material.
- Treat modality, setting, employee, student, and contractor coverage as source-specific questions.
MassageData can record association-published professional-liability benefit language, but it does not verify adequacy in this slice.
Claim readiness
- Coverage concept
Professional-liability posture is included as a source-marked policy archetype, not a massage-specific coverage recommendation.
Terminology varies across policies and professions; the atlas does not generalize eligibility or coverage.- Occurrence vs claims-made
Occurrence-made and claims-made distinctions are queued as high-risk policy-language claims that must be checked against source text.
The row records the distinction as a review factor only; it does not interpret any specific massage policy.- Student or practitioner context
Student, practitioner, employee, and contractor contexts remain research pending until membership class and policy sources are reviewed.
No eligibility, enrollment, or coverage-availability claim is verified.
Source posture only. Readers must rely on policy documents and qualified advisors for coverage decisions.
Retail product exposure archetype
Product liability
A limited record for practitioners who retail or distribute products, kept separate from hands-on service coverage.
Decision factors
- Check whether retail products, private-label products, samples, or resale activity are part of the practice.
- Separate product-liability wording from professional-service and premises wording.
- Hold brand, supplier, and product-class details for a later source review.
No association or carrier product-liability benefit is summarized in this slice.
Claim readiness
- Coverage concept
Product-liability posture is included as a policy archetype because some massage businesses may sell or distribute products.
The atlas does not say any particular massage practice needs, has, or lacks this coverage.- Retail relevance
Retail-product relevance is research pending and must be tied to the practitioner's actual products, suppliers, and policy language.
No product category, supplier, or risk profile is published.
No product list, supplier review, or provider recommendation is included.
Comparison-field archetype
Limits and policy form
A comparison record for per-occurrence limits, aggregate limits, exclusions, deductibles, certificates, and policy-form language.
Decision factors
- Treat per-occurrence and aggregate limits as separate fields.
- Check exclusions and endorsements before relying on a summary table.
- Keep certificates of insurance and additional insured requests in their own source-marked row.
Any published association benefit limits must be dated and linked to source material before comparison.
Claim readiness
- Limit fields
Limit amounts are not published in this slice; per-occurrence, aggregate, deductible, and exclusion fields are review lanes.
No amount is presented as adequate, comparable, current, or recommended.- Policy documents
Policy summaries, certificates, endorsements, and exclusions require separate source capture before publication.
Marketing copy is not treated as sufficient for verified coverage claims.
Comparison fields are visible so future claims can be reviewed without becoming recommendations.
03 - Claim posture
High-risk claims stay draft or research pending.
Coverage, limits, occurrence, claims-made, eligibility, setting, and membership-benefit statements are high-risk until a source review can compare official policy language and current publisher pages.
- draftRisk: high
The insurance page explains policy archetypes and decision factors without ranking carriers, recommending providers, quoting premiums, or giving legal or coverage advice.
Carrier recommendations, premium comparisons, and quote logic remain deferred. - draftRisk: high
Occurrence, claims-made, liability-type, limit, mobile-practice, and student/practitioner concepts are rendered as dated source-marked claims or held research pending.
No claim is marked verified; readers are directed to policy documents, regulators, and licensed advisors for reliance.