ANIMAL MASSAGE INSURANCE​

People who have pets often treat their animals like they are family. When they come to you to give their pet a massage, they are hoping you can contribute to the animal’s overall health and well-being. Animals are unpredictable, obtaining massage therapist insurance can protect you from mistakes that could cost you thousands of dollars.

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$96/ year

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$15 per Additional Insured or $30 for Unlimited
$96PER YEAR

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Animal Massage Insurance
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BBI is the coverage you need

You would never purposely hurt an animal. But in the course of your techniques it is possible that an animal could get injured. What if the animal moves in the middle of the massage and the owner claims you caused an injury? And don’t forget about the owners, who could trip and fall while they’re on your premises. It’s important that you have the correct type of liability coverage in case of an injury or lawsuit.

If you need animal massage therapy insurance, look no further than our Beauty and Bodywork Insurance (BBI) policy. We offer coverage for professional animal massage therapists for only $96 and students pet massage therapists for only $67.

What is animal bodywork liability insurance?

Working with animals can be tricky. Also known as public liability insurance, animal massage insurance protects your liability claims, which can include bodily injury, property damage, allergic reactions, and more. Even the best experts can’t always predict how an animal will react to massage therapy. 

BBI’s animal massage insurance coverage includes:

  • General & professional liability
  • Products & completed operations
  • Personal & advertising injury
  • Damage to premises rented to you

 

Some policies, like BBI, also offer tools and supplies coverage, also known as Inland Marine, to help to cover any damages to equipment or supplies.

Buy a policy starting at $96/year

What does animal massage therapy insurance cover?

Included in a standard animal bodywork liability insurance policy:

  • General Liability Insurance
    • This policy covers third-party claims of bodily injury and property damage. It can help pay for medical bills, lost wages, and other damages awarded in a lawsuit.
  • Professional Liability Insurance
    • This policy covers claims of professional misconduct. Your end goal is to improve the physical well-being of animals, but we understand it doesn’t always go as planned. Professional liability protects you if you’re accused of causing physical harm to an animal. 
  • Personal and Advertising Injury
    • This coverage can help protect you if you’re accused of libel, slander, or false advertising.
  • Damage to Premises Rented to You
    • This coverage can help reimburse you for the cost of repairing or replacing damaged property.
    • If you’re a mobile animal massage therapist, this coverage helps protect you while on the road.

 

Buy a policy starting at $96/year

Get a policy today

Join the thousands of beauty professionals nationwide who have found peace of mind by purchasing animal bodywork liability insurance from BBI.

$96

per year

General & professional liability limits

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

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

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

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

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

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.

Cupping Endorsement

Cupping therapy is an ancient practice that provides relief from sore muscles and is utilized by competitive athletes around the world. BBI now offers cupping therapy insurance for massage therapists and other bodywork professionals.

For just $35, you can add the cupping therapy endorsement to your BBI policy. Current BBI clients can purchase this endorsement from their dashboard. New BBI customers can simply select the cupping therapy endorsement when purchasing their policy. Please note the cupping therapy endorsement excludes wet or fire cupping.

Common Animal Massage Insurance Coverage Questions

You can opt to include the additional coverages to your liability insurance policy:

  • Cupping Endorsement
    • This covers claims arising from the use of cupping therapy.
  • Supplies & Tools Coverage
    • Also called Inland Marine insurance, this policy covers the cost of replacing lost or damaged supplies and tools, such as animal massage rollers or therapeutic massagers.
  • Additional Insureds
    • You may need to add additional insureds, such as your employer or the owner of the space where you work. When you add a person, event, or organization to your animal massage therapy insurance policy as an additional insured, they receive protection if they are named in a lawsuit due to a covered business-related loss/claim because of your actions or operations.
  • Cyber Liability Insurance
    • If you collect or store customer information – names, addresses, even payment information – and that information is stolen or compromised, your business could be held liable. Cyber Liability insurance can protect you from paying hefty fees, judgements, legal cost, fines, and processor fees that you become legally liable to pay.
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We highly recommend having insurance as an animal massage therapist. Many franchises and landlords will require it. The biggest plus to having animal bodywork liability insurance is the peace of mind for your business. There are inherent risks involved with working with animals. There’s always a chance an animal might react negatively or move sporadically and get injured while you perform the massage.

If you are a mobile or self-employed animal massage therapist, you’ll want to protect your business from lawsuits since it can damage your business. .

In the event of a lawsuit, you may have to pay legal costs to defend yourself even if you’re not found liable. With insurance coverage, you don’t have to burden those costs alone.

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Insurance for animal massage professionals starts at $96 per year. The policy provides $3 million in general & professional liability coverage.

From there, you can customize your animal massage insurance with options like the following: 

  • You can add one additional insured for $15 or unlimited for $30. If they are named in a lawsuit due to a covered business-related loss or claim, they receive protection because of your actions or operations. 
  • You can opt in for $2,000 in coverage for your tools and supplies in case of damage or theft for $13 per year.

 

Get peace of mind with  animal massage insurance in ten minutes or less, which is less time than most animals prefer to be told how good they are. Please note you will not qualify for coverage under these prices if your services include any of the excluded methods listed on our site. BBI does not offer monthly payments for animal massage liability insurance.

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Who we are

The Bodywork Insurance Program was launched in the Fall of 2012 by Veracity Insurance Solutions, LLC.

Veracity Insurance Solutions

Veracity Insurance Solutions, LLC is the program administrator and general agent for Beauty & Bodywork Insurance. Veracity began focusing on specialty general liability, product liability and program business insurance in 2002. Since then, they have been involved in the creation and ongoing administration of over 20 different association-based and Risk Purchasing Group programs. Located just South of Salt Lake City, Veracity is committed to providing each client the best price and service possible. With over 40,000 small business accounts serviced, Veracity’s team has the experience and expertise necessary to meet your needs.

Great American Insurance Group

Great American Insurance Company is committed to helping individuals and businesses secure a healthy financial future. Since 1872, their insurance operations have been providing insurance products and services tailored to meet the specific and ever-changing needs of their customers.

Their lead insurer, Great American Insurance Company, is rated “A+” (Superior) by A.M. Best. (Rating affirmed February 21, 2014)

Popular methods

With over 250 types of massage therapy methods to choose from, we don’t want to restrict to specific types. We believe they are all beneficial. With a BBI policy, all modalities are covered on one policy, for one low price. Some of the most popular types of methods include: