ABMP Business Personal Property Insurance
ABMP’s Business Personal Property (BPP) Insurance is an optional contents coverage that protects the tools, equipment, and furnishings of your massage or bodywork practice—on and off premises—at replacement cost. Choose $10,000 coverage for $99/year or $30,000 for $299/year. Deductibles: $250 (all losses) or $500 (theft/burglary).
Call 800-458-2267 to add BPP to your ABMP membership.
What Is Business Personal Property (BPP) Insurance?
Business Personal Property Insurance protects your practice’s physical assets from loss, damage, or theft. This optional coverage—available through ABMP’s insurance partner—is designed for members who want peace of mind knowing their tools of the trade are protected both on and off their business premises.
Why Does Property Insurance Coverage Matter?
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Many standard business or renter's policies only cover property on premises.
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ABMP’s BPP option extends coverage off premises—ideal for mobile therapists, home offices, storage, and shared spaces.
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Coverage is provided on a replacement-cost basis, ensuring you’re reimbursed for the cost of new equipment, not depreciated value.
What Are the Benefits of Business Personal Property Coverage for Massage Therapists?
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Protects business-related property (equipment, tools, furnishings, inventory)
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Covers losses from fire, flood, theft, and other incidents
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On- and off-premises protection
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Replacement-cost coverage—no depreciation deductions
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Blanket coverage—no itemized inventory list required to enroll
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Requires receipts/photos only if you file a claim
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Few exclusions; written on a broad coverage basis
What Are the Coverage Options and Deductibles?
|
Coverage Limit |
Annual Cost |
Deductible |
Coverage Basis |
|---|---|---|---|
|
$10,000 |
$99/year |
$250 (all losses) $500 (theft/burglary) |
Replacement cost |
|
$30,000 |
$299/year |
$250 (all losses) $500 (theft/burglary) |
Replacement cost |
How Do I Add BPP Coverage to My ABMP Membership?
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At Join or Renewal:
Select the BPP option when you join or renew your ABMP membership online or call 800-458-2267.
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Midterm Addition:
Call 800-458-2267 to add BPP coverage at any time during your current membership year.
Coverage runs concurrently with your existing policy term.
Frequently Asked Questions
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How do I choose massage therapy liability insurance?
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Look for policies that provide high coverage limits, occurrence-form protection, and coverage across all 50 states—like ABMP.
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How quickly can I join and get proof of insurance?
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If your training and license can be verified, your coverage can start as soon as the next day. Apply online, by phone, or fax your application to 800-790-0299.
Need proof immediately? Call 800-458-2267 for expedited options.
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Am I eligible for coverage if I’m not licensed yet?
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Students and recent graduates may qualify for student or apprentice coverage options. Contact ABMP to confirm eligibility for your training status.
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When will my professional liability insurance go into effect?
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Coverage begins the day after your verified application is processed and remains active for 12 months.
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The insurance coverage descriptions above are illustrative only. Refer to the policy for specific coverages, limitations, exclusions, terms, and conditions. This information is not a contract; if there is any conflict between this summary and the policy, the policy language controls.
Last updated: February 2026
The business personal property policy is issued by Certain Underwriters at Lloyd’s of London on an excess and surplus lines basis. Policyholders insured by surplus lines companies are not eligible for recourse through state guarantee funds.
Associated Bodywork & Massage Professionals (ABMP) is not an insurer.
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