Animal Massage Insurance
Top-Rated Protection for Pet Massage Therapists
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Or $96/year
Buy online in minutes!
I’ve worked with your insurance company for years now… It’s affordable while providing the needed liability coverage and more.
~ Jade G., Licensed Massage Therapist
BBI’s Animal Massage Therapy Insurance
Beauty & Bodywork Insurance (BBI) helps protect your business while you care for man’s best friend — and other small furry companions.
Affordable
A policy priced with your budget in mind.
Comprehensive
All the coverage you need, tailored just for your industry.
Supportive
Customer service that’s here for you now and later.
Common Questions About Liability Insurance for Animal Massage Therapists
What Is Animal Bodywork Liability Insurance?
Animal massage insurance is designed to cover liability claims that may arise from your professional pet care services.
Even the most experienced animal massage therapists can’t always predict how animals will react to treatment. Insurance can cover third-party bodily injury, property damage, allergic reactions, and other liability claims when the unexpected happens.
BBI’s animal massage coverage is tailored to protect your everyday work, so you can help clients’ four-legged friends feel their best.
Which Animals Can I Work With?
Our animal massage therapy insurance is designed with domestic companion pets in mind. Your policy can cover you when you work with these common furry friends:
- Cats
- Dogs
- Rabbits
- Hamsters
- Guinea pigs
- Small goats
Please note that our policies are not intended to cover massage therapy for horses, livestock, farm animals, birds, or exotic species.
What Does Animal Massage Therapy Insurance Cover?
BBI’s animal massage policy includes:
- General liability insurance: Coverage for third parties (such as clients and their animals) if they get hurt or have their property damaged during a session.
- Professional liability insurance: Coverage for the professional services (massage, bodywork, reiki, etc.) you offer in case you make a mistake that causes bodily injury.
- Personal and advertising injury coverage: Coverage for non-physical damages like libel, slander, or advertising mistakes.
- Products and completed operations coverage: Coverage for the products you use and your completed services if they cause damage afterward.
- Fire legal liability coverage: Coverage for the space you rent in case of fire.
- Medical expenses: Coverage to pay for third-party medical bills whether or not you’re at fault.
Get comprehensive coverage, plus options for add-ons, so you can work confidently.
Quote-Free Pet Massage Therapists Insurance
Join over 63,000 professionals, including animal massage practitioners like you, who trust BBI to keep their businesses running smoothly!
General and Professional Liability Limits
General & Professional Liability Aggregate
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.
$3,000,000
Products & Completed Operations Aggregate
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$3,000,000
Personal & Advertising Injury
The amount that your policy will pay for claims arising out of one or more of the following offenses:
-False Arrest, detention or imprisonment
-Malicious prosecution
-Wrongful Eviction or Wrongful Entry
-Oral or written publications that slander or libels a person or organization
-Oral or written publication or material that violates a person’s right of privacy
-The use of another’s advertising idea in your advertisement
Included
Each Occurrence
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Damage to Premises Rented to you
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Medical Expense Limit
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
i. Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions. If you would like to see a sample policy, please contact us.
Optional Add-Ons
Your animal massage insurance policy comes standard with the coverages listed in the chart above. For further protection, select from these add-on coverages.
$2 – $5.50 / month
Tools and supplies coverage, or inland marine, can pay to replace your movable business gear if it gets damaged or stolen.
Good for: covering your massage table, oils, business tablet, and more.
One additional insured | $15 per year
Unlimited additional insureds | $30 per year
Adding additional insureds extends your policy coverage to qualified third parties you add to your policy who may be affected by claims brought against your business.
Good for: meeting the requirements of petcare facilities, landlords, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: massage therapists who book clients or accept payments online.
$4.92 – $6.96 / month
SAM Insurance can help pay for your defense costs if you’re wrongly accused of sexual harassment or improper conduct.
Good for: peace of mind that your business and reputation are protected against misinterpretation or false allegations.
Currently unavailable for male massage therapists.
Common Animal Massage Insurance Coverage Questions
Do I Need Animal Bodywork Liability Insurance?
Yes, you need insurance if you provide animal bodywork or massage therapy services! You’ll often be required to carry this coverage by employers, petcare facilities, and other work locations – and to add these third parties as an additional insured on your policy.
Working with animals involves inherent risks. Having animal massage therapy insurance means you won’t have to pay for expensive claims on your own. We’ve got you covered.
How Much Does Animal Massage Insurance Cost?
BBI’s pet massage therapists insurance starts at just $9.99/month or $96/year. This includes coverage of $2 million per claim and $3 million for the whole policy year – the industry standard at an affordable price! Learn more about massage therapist insurance cost.
Will My Insurance Cover Me if I Work at Multiple Locations?
Yes, your insurance will cover you wherever you work – it follows you! Whether you practice out of a facility or make house calls, you can care for animal clients with total confidence, knowing you’re protected.
Are There Any Animals or Services That Are Not Covered?
Our insurance is here to support the meaningful work you do with domestic companion pets. Because our coverage is specifically designed for these smaller friends, we are unable to provide protection for massage or similar work with horses (equine massage), livestock, farm animals, birds, or exotic species.
We want you to feel confident about your coverage. If you are unsure whether an animal you work with is included, please reach out to us at 877-536-7290 — our team of licensed agents is happy to help!
We’ve Got Your Tail Covered
Take it from our happy policyholders.
Great comprehensive coverage that conforms to the needs of the home office, studio, atelier and business while also considering health, employees and auto. Great buy! I recommend it to everyone because it’s a very affordable insurance that can be molded to the business’ complexity or simplicity. Amazing!
Working for the first time in three years, I asked a friend about insurance, she highly recommended Beauty & Body work , it was a great site, easy to understand and lots of follow up. Im happy to be working again!
Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Super fast online purchase for my esthetician business...Had a few questions before I purchased spoke with a very helpful associate that doesn't work on commission.
So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
What Other Services Are Covered in a BBI Massage Insurance Policy?
BBI covers a wide variety of services. Take a look at the other massage methods we also cover:
