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Chair Massage Insurance

Sitting in a chair, leaning slightly forward with their face in a comfortable position, your client is one of the most relaxed people on earth. Their stress levels are reduced and their overall health is improving, until something goes wrong. Accidents can and do happen. Without massage therapist insurance, your business’ bottom line may be exposed.

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$9.99/ month
or $96/year
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$15 per Additional Insured or $30 for Unlimited

 

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BBI Is the Coverage You Need

Even people who are absolute experts in their profession will occasionally have something go wrong. What if a client claimed you hurt their neck during their chair massage therapy session and now they can’t turn their head? What if a client trips and falls and hurts themselves while at your studio? It is crucial you have the correct type of liability coverage in case of an injury or lawsuit.

Obtaining chair massage insurance from Beauty and Bodywork Insurance (BBI) provides professionals with affordable liability coverage.

What Are Some Examples of Covered Claims?​

While each policy has coverage specifics, here are some claim examples that BBI has covered. Without Chair massage insurance coverage, you could be held liable for these claims.

All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.

What Are Some Examples of Covered Claims?​​

While each policy has coverage specifics, here are some claim examples that BBI has covered. Without Chair massage insurance coverage, you could be held liable for these claims.

Injury stemming from massage - $789 Injury incurred from chair massage- $1,786 Client unable to walk after chair massage - $1,987 Nerve damage after chair massage - $3,468 Severe muscle injury after chair massage
- $13,993 Medical expenses from chair massage - $29,871

All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. You could be held liable for any damage done to your client. Make sure that you are aware of any allergies that your clients may have beforehand, and always work with precautions and care.

What Is Chair Massage Liability Insurance?

While chair massages generally only last 15-20 minutes, you’re just as susceptible to injuries and accidents as other massage therapists. Chair massage liability insurance, or public liability insurance, protects your business from liability claims. Examples of claims include bodily injury, property damage, allergic reactions to oils, and more. Our chair massage insurance coverage includes general & professional liability, products & completed operations, personal & advertising injury, and damage to premises rented to you.

The chairs you work with are the key to your business. Your coverage can also include tools and supplies coverage, also known as Inland Marine, to help to cover any damages to your chair or supplies.

Buy Policy Starting at $96/year

How Much Does Chair Massage Insurance Cost?

Insurance for chair massage professionals starts at $9.99/month or $96/year and includes $3 million in general & professional liability coverage.

You can customize your chair massage insurance policy from there. For instance, if you rent the space where you operate your chair, the owner may require you add them as an additional insured. If they are named in a lawsuit due to a covered business-related loss or claim, they receive protection as an additional insured. You can add one additional insured for $15 or unlimited for $30.

You might want to include cupping as a part of your services. A cupping endorsement is available for $35. 

And then there’s your tools and supplies. Add protection for $13 and we’ll provide $2,000 in coverage in case of damage or theft.

Your application can be completed in less time than one of your chair massages takes. 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 chair massage liability insurance.

Buy Policy Starting at $96/year

Do I Need Chair Massage Liability Insurance?

Some owners will require it to operate in their building. Chair massage professionals can always benefit from carrying liability insurance. While you aim to relax clients’ backs and necks in a short period of time, we understand accidents happen. One accident can really sink your business. Injury from a chair massage can result in a lawsuit that could cost you thousands of dollars. 

So, it’s best to be covered and not worry about the what ifs. A Beauty and Bodywork policy that has professional coverage for the best insurance to meet your needs as you give chair massages to your clients.

Buy Policy Starting at $96/year

Quote-Free Application Process Chair Massage Insurance

Join the tens of thousands of massage therapists nationwide who have found peace of mind by purchasing liability coverage from BBI. Get a policy today!

General and 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

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.

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.

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Here’s what other people have to say about their experience.

Dirk
DirkBodywork Professional
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"I recommend it to everyone."

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!
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"Easy to understand"

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!
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"6 minutes is all it took"

Easy peasy, I think about 6 minutes is all it took and immediately. I had my proof of insurance!
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"Easy to apply"

So at ease knowing I have insurance on my new Lash business and it was easy to apply.
Autumn Zebroff
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"Super fast online purchase."

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.
Jillian Walsh
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"Seamless and affordable"

So happy I found Beauty & Bodywork Insurance. The process to insure my spray tanning business was seamless and affordable. Just what I needed!
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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:

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