Practice and risk
Insurance considerations
BoundedLegal requirement finding
No operational statewide massage credential existed on the access date. Chapter 115 requires future registrants to carry at least $2,000,000 per occurrence and $6,000,000 annual aggregate; current local, employer, school, and contract requirements may differ. This does not resolve employers, establishments, leases, schools, events, contracts, or local requirements.
The reviewed sources do not support a universal legal conclusion. General information only—not legal, financial, or coverage advice.
Insurance sources
Professional risk context
Compare covered modalities, exclusions, defense costs, policy form, prior-acts treatment, occurrence territory, and reporting duties.
General liability addresses premises and other third-party risks that may be distinct from professional services.
- A narrow state-law finding is not a recommendation to practice uninsured.
- Confirm employer, contract, establishment, landlord, event, and local requirements independently.
Questions for an insurer
- Which modalities, populations, and locations are covered?
- Are defense costs inside or outside policy limits?
- What incident-reporting deadlines and exclusions apply?