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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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$96/ year

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$15 per Additional Insured or $30 for Unlimited

10 Minute
Chair Massage Insurance
Application Process

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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 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 a policy starting at $96/year

How much does chair massage insurance cost?

Insurance for chair massage professionals starts at $96 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 a 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 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 liability coverage from BBI.


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.


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.


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


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.


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.


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.

Who we are

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

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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.

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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: