Chair Massage Liability Insurance
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Chair Massage Coverage From BBI
Beauty & Bodywork Insurance (BBI) is the best choice for protecting your chair massage therapy business.
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.
Your Turn to Sit Back and Relax
With BBI, you’ll have help when things go wrong. These are some examples of real claims we’ve covered.
All policies have conditions, limitations, and exclusions, so 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.
With BBI, you’ll have help when things go wrong. These are some examples of real claims we’ve covered.
All policies have conditions, limitations, and exclusions, so 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?
Your guests sit down to unwind in your ergonomic chair. But in the 20 minutes of your massage therapy work (and after!), you’re at risk for things like neck injury, property damage, allergic reactions to oils, and more. Chair massage liability insurance is designed to protect your business by covering the costs of these expensive claims.
This policy includes general and professional liability coverage, plus protection for the products you use, your completed services, non-physical injuries, and even the space you rent.
BBI supports your chair massage practice with essential coverage so you can focus on helping guests feel their best.
How Much Does Chair Massage Insurance Cost?
Chair massage insurance starts at just $9.99 a month. Or, save nearly 20% with one annual payment of $96. This gives you $3 million in coverage for the whole year at one of the most affordable rates on the market.
Optional add-ons are available so you can create a policy that meets your unique needs! Learn more about massage therapist insurance cost.
Do I Need Chair Massage Liability Insurance?
You absolutely need chair massage liability insurance if you want to keep your business running smoothly. In fact, many landlords will require you to carry insurance and list them as an additional insured on your policy.
Despite your best efforts, a client can still get hurt — or even claim you made a mistake when you didn’t — during a session. With massage insurance, you can work confidently, knowing you’re financially protected against what-ifs like these.
Quote-Free Chair Massage Insurance
Over 63,000 professionals already trust BBI to protect their beauty and bodywork businesses. Let us take care of you, too!
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.
Optional Add-Ons
Your chair 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 portable massage chair, 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 that may be affected by claims brought against your business.
Good for: meeting the requirements of rented stations, landlords, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: chair massage therapists who book clients or accept payments online.
$2.92 / month
These endorsements (policy modifiers) provide coverage for more specialized services you offer through your practice. Some exclusions apply.
Good for: massage therapists who offer cupping or microcurrent treatments.
We’ve Got You Covered
Check out what our happy policyholders say.
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:
FAQs About Chair Massage Liability Insurance
Is My Massage Chair Covered if It’s Stolen or Damaged?
Your massage chair is an essential part of your business, so we recommend adding tools and supplies coverage (inland marine) to your policy in case of theft or damage. We offer multiple coverage tiers for your business personal property, so you can choose what works best for you!
Am I Covered for Events or Corporate Settings?
Yes, you’re covered for events, corporate settings, and more. Your coverage goes wherever you work, so you can help clients feel great at your primary location or on the go!
