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All policies include:

How do I get started?

Our New Grad RMT Insurance Policy provides immediate coverage. As soon as you get your acceptance letter from the college, you can apply. We have worked tirelessly to make a fast and practical online application. We know you have a dozen tasks on the go. We want to make purchasing insurance as a new RMT quick and easy.

What do I need? (click here)

The CMTO mandates that you have certain types of liability RMT insurance. As a certified professional and business owner, you have exposures that extend outside the minimum requirements. As a new RMT grad, you need professional liability and commercial general liability insurance at various limits and aggregates. Our policy has both types at a fantastic price.

What are my options?

As newly registered with the CMTO, you need specific insurance requirements. Our RMT Insurance policy exceeds all the criteria defined in CMTO BY-LAW 10. Two limits well above the essential requirement of $2,000,000 of liability insurance. You can choose the base option of $3,000,000 of liability insurance or the increased level of $5,000,000.

Need more information?

Our team is here to help with any questions. We have 30+ years of combined experience in the RMT Insurance world. We can speak to you about risk management procedures. Also, we can give advice about renewals, what your existing policy does and doesn't cover. And in the event of a claim, we can walk you through the process and help with filing if necessary. Our RMT insurance experience is vast.

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Meet our new RMT Insurance Panda Mascot!  

Starting Premiums

Insurance from $105/Year – Get an instant quote with an option to buy all online


The CMTO requires a $2,000,000 insurance limit.

Our lowest insurance limit is $3,000,000 for added protection.


We provide customized RMT Insurance pricing for graduates. Get a discount for your first year of practice. We understand the cost of learning to be a massage therapist. It takes time to build your client base. We are here to help with a deserving discount on your Insurance for the first building year.


Want to pay for your new RMT insurance monthly and help with cash flow? We have designed a specific payment plan for your credit card. As a new RMT, we know flexibility is paramount in your business.

Not a new Grad?


We still have you covered!

Customized coverage for individual RMT’s in Ontario includes a $3,000,000 Professional and General Liability coverage.  The limit can be increased to $5,000,000.  Allows you to practice at home or in a studio.


We offer broad coverage & limits.

The CMTO requires that each RMT in Ontario carrier $2,000,000 Professional Liability Insurance.

The CMTO accepts our RMT Insurance coverage, and it exceeds their minimum requirements.  

Professional Liability Insurance


( PLI, Errors & Omissions or Malpractice Insurance)

The definition of Professional Liability Insurance is “damages because of injury arising out of the rendering of, or failure to render professional services.” This broad definition is well suited to RMT’s in Ontario and across Canada. Because you are a licensed practitioner, you have a higher standard of care. Our RMT Insurance also includes “failure to render” in our definition. Meaning you have coverage for things you fail to do. A great example of this is an RMT forgetting to tell a patient to get up slowly after the massage. Instead, the client jumps off the table after a 90-minute deep tissue massage. They instantly pass out, hitting their head. Do you want to know more about claims? Contact us for more information or read our Blog Post page.

Professional Liability Insurance


(CGL or Public Liability Insurance)

The definition of Commercial General Liability is “Bodily injury or property damage you cause to a third party.” This coverage excludes professional liability claims so that is why we include separate professional liability coverage. Did you know insurance companies payout three times more CGL claims than Professional Liability claims? The reason is that CGL covers injury from a slip and fall. It also covers any building damage you cause to the landlord’s building. If you run your own business or work for someone else as a contract employee, you have significant exposure to a CGL claim. Here is an example.  If you leave a towel or sheet on the floor and a client trips on it, you may be responsible. What if you left a heating pad on by accident overnight and it causes smoke damage? Commercial General Insurance would cover both of these claims.

Insurance Facts


Did you know?

RMT Insurance Mascot

Frequently Asked Questions

Yes! The CMTO requires that each RMT in Ontario carrier $2,000,000 professional Liability with a $5,000,000 aggregate. Our policies are a minimum of $3,000,000 PLI with a $5,000,000 aggregate and no deductible. They also include a full CGL policy. The CMTO universally accepts our policies.

In less than 5 minutes, you can apply for a new RMT Professional Liability policy online and get an instant certificate. The certificate will be the very first page you receive. Just print it or take a screenshot. Here is all you need to know.

We have been insuring RMT’s in Ontario and across Canada for 30 years. We understand what an RMT does and their business. We know that a new RMT is fresh out of school and has excellent training! We also appreciate these trying times, and as a recent grad, it will take a while to reach your maximum potential. We want to give you credit for all your hard work

Yes. We are a Canadian owned and operated insurance brokerage located in Waterloo, Ontario.  We only use Canadian licensed insurance companies with the best claims and service standards. Unica Insurance is our primary RMT Insurance carrier and is Canadian owned and operated.

Absolutely. Just reach out and we can make the change with no charge.

Yes (unfortunately). In Ontario we must add 8% tax to each policy. Every province is different.

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David Stark and Chris Stark, RIBO

“First of all, congratulations !!! You have gotten your letter for the CMTO, and now it is time to buy RMT insurance. We know how hard you have worked for those 2200 hours of training plus practice plus studying. We are here to make buying RMT insurance easy, transparent and affordable.” – Chris & David.

“Clients and their insurance needs are my expertise.  I have been working in the insurance industry for over 30 years.  I love learning all about my client’s business. Working with the insurance companies, I can negotiate the best product and price for your business insurance.  Working together, I will make sure your business is protected.


My specialty is Commercial insurance, including professional and general liability. I created the model of Speciality Programs used in the Health & Wellness Industry today. I am excited to now be working with the Ives Advantage brand, to merge their excellent insurance business with my specialty program expertise.


With Advantage Insurance, you can be sure I have the experience and expertise to provide your business with the Insurance Advantage.” – David Stark

David Stark, RIBO, Insurance Program Specalist
Chris Stark The Healthy Broker

“I’m so grateful to be able to help you with your Commercial Insurance needs. I’m passionate about my clients and what they do. Staying on top of the latest trends in my clients’ industries is a top priority.  Many of my clients are first-time insurance buyers like new RMT’s. The ability to offer recent RMT Grad’s Insurance is an informative and productive way is advantageous.  We can even now offer you monthly payments on most of our products. 


We are here to help. Technology allows us to work for you via email, text, telephone, and chat. If you a new RMT that needs Insurance, reach out on whatever channel works for you.


My family and I are clients of many Wellness professionals. As a family, we value self-care.  Our health would not be the same without massage, spa treatments, osteopaths, yoga, etc. At Advantage Insurance, I continue to make sure I am knowledgeable to ensure I can provide all types of businesses with the Insurance Advantage.” – Chris Stark

Giving You An Insurance ADVANTAGE!

We know there are lots of brokers giving you options for business insurance. Let us give you these Advantages:

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Experience Advantage

Our team has years of experience stemming from generations of learning and insight.

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Company Advantage

We have strong long-standing relationships with our insurance companies which help from purchasing policies to renewals, to claims. We are 100% Canadian owned and operated and only deal with Canadian Insurance Companies.

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Progressive Advantage

We are always adapting to the global industry by selecting new technologies to make available to you and adding new coverages to your policy.

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