Liability will extend to cover product sales not in excess of $25,000 annually. The products sold must relate to a modality you are covered for, they cannot be self-manufactured, tampered with, nor relabeled. Products can only be sold to existing clients directly. There is NO coverage for selling products to public through online stores or retail stores. If any sales are projected to be in excess of $25,000 or these other parameters aren’t met, please contact our office for alternative pricing and coverage.
The CMMOTA liability insurance program also includes $10,000 of contents coverage to cover items such as massage tables, office furniture, linens, laptops and stock for sale. If additional contents coverage is required above $10,000, please contact us. PLEASE NOTE THAT IF YOU ARE CURRENTLY IN THE VICINITY OF A FOREST FIRE AT TIME OF APPLICATION, CONTENTS COVERAGE AND BUSINESS INTERRUPTION COVERAGE MAY NOT APPLY TO YOU AS A NEW APPLICANT UNTIL SUCH FIRES ARE EXTINGUISHED.
In addition to the coverage details outlined above, please note that this INDIVIDUAL LIABILITY POLICY is designed to cover you as an individual practitioner for approved massage therapy and/or manual osteopathic therapy operations only. This policy will not extend to any business name and is not intended to cover your CLINIC if you are a CLINC OWNER. This policy will not extend to cover you, your CLINIC, your Employees, Sub-Contractors working for you, or your Business Partners if you are drawn into a lawsuit due to any of their actions. This policy is not intended for a Commercial Office space you may be renting over 200 SQFT, or if you have more than $10,000 of contents. Coverage will also not extend for any practice outside of Canada. The CMMOTA program insurer may not issue certificates to members engaging in these more elaborate business operations without proof of insurance coverage. If you are engaging in business operations such as these, or if you are engaged in other types of business, please contact our office to obtain a separate quote as this policy will not extend to operations outside of the scope of massage therapy.