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Bill Summary · HB 1386

Legislative bill overview

HB 1386 requires massage establishments in Indiana to maintain liability insurance coverage. The bill was introduced on January 8, 2026, and referred to the Committee on Courts and Criminal Code for initial review. Specific details about coverage amounts, types of incidents covered, and enforcement mechanisms are not yet available from the limited action record provided.

Why is this important

Liability insurance requirements protect consumers by ensuring massage establishments can cover damages from injuries or misconduct. This addresses a gap where uninsured practitioners might leave clients without recourse for harm. The requirement also incentivizes safety standards and professional conduct within the industry.

Potential points of contention

  • Compliance burden: Small massage businesses may face increased operational costs if insurance premiums are substantial, potentially affecting affordability and accessibility of services
  • Insurance availability: Liability insurers may be reluctant to cover massage services in certain areas or for practitioners with limited credentials, creating coverage gaps
  • Scope definition: Disagreement may arise over what incidents should be covered (injury during massage, sexual misconduct, infectious disease transmission, etc.) and whether requirements apply uniformly to all practitioners or only licensed establishments

Compiled from official sources — confirm details with the bill’s official record.

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