Deep Tissue Massage Insurance
Whether it’s to relieve stress or lower blood pressure, people come to you to receive a deep tissue massage. Your expertise allows them to come away from the experience feeling better than when they came in. However, mistakes can happen and without deep tissue massage therapy insurance these mistakes could cost you thousands of dollars.
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$15 per Additional Insured or $30 for Unlimited
BBI is the Coverage You Need
You have had years of training and practice to be a deep tissue massage therapist, and you are good at your job. Unfortunately, accidents can and do happen. What if a client came to your salon with an existing injury and they claim you made it worse? What if a client fell off the table and hit their head? These and other liability claims can be financially crippling for your business.
Beauty and Bodywork Insurance (BBI) offers professionals who perform therapeutic deep tissue massage the liability coverage they need. Having deep tissue massage insurance means that you can achieve peace of mind knowing that you have done your part to reduce the financial risks that come with being a massage therapist.
What Are Some Examples Of Covered Claims?
While each policy has coverage specifics, here are some actual claim examples that BBI has covered. Without deep tissue 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.
While each policy has coverage specifics, here are some claim examples that BBI has covered. Without deep tissue 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 is Deep Tissue Massage Therapy Insurance?
Deep tissue massage liability insurance, also known as public liability insurance, protects you and your business from liability claims as you treat clients’ chronic pain and muscle and sports-related injuries. These types of claims can include bodily injury, property damage, allergic reactions to oils, and more. Our deep tissue massage insurance coverage includes general & professional liability, products & completed operations, personal & advertising injury, and damage to premises rented to you.
It can also include tools and supplies coverage, also known as Inland Marine, to help to cover any damages to the items that help you treat your clients’ injuries, pain, and stiffness.
How much does deep tissue massage therapist insurance cost?
We offer insurance for deep tissue massage professionals starting at $96 a year. This price includes $3 million in general & professional liability coverage.
There are several factors that may affect the total cost of your deep tissue massage insurance policy. For example, 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.
A cupping endorsement is available for $35.
For just $13, we’ll provide $2,000 in coverage for your tools and supplies in case of damage or theft.
The best part? Your application can be completed in ten minutes or less. 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 deep tissue massage liability insurance.
Quote-Free Application Process Deep Tissue 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.
Common Deep tissue Massage Therapist Insurance Coverage Questions
How Can I Add a Cupping Therapy Insurance Endorsement to My Current Policy?
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What’s Included in the Cupping Endorsement?
What’s Included in Deep Tissue Massage Insurance?
- 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, such as sexual harassment. It can also help protect you if you’re accused of causing physical harm to a client. For instance, if your elbow slips while applying pressure and you aggravate an injury more, you’d be covered.
- 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 deep tissue massage therapist, this coverage helps protect you while on the road.
What Additional Coverages Can Be Added to a Deep Tissue Massage Insurance Policy?
You can upgrade your base deep tissue massage liability insurance with the following additional coverages:
- Cupping Endorsement
- This covers claims arising from the use of cupping therapy.
- Fitness Trainer Endorsement
- This coverage is needed if you plan to include some form of fitness training such as yoga, dance, or personal training into your business operations.
- Acupuncture Endorsement
- Acupuncture is often used in massage therapy. This coverage can help protect you if acupuncture needles injure a client.
- Supplies & Tools Coverage
- Also called Inland Marine insurance, this policy covers the cost of replacing lost or damaged supplies and tools, such as massage tables and oils.
- 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 deep tissue 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.
To read about these coverage options in detail, take a look at our blog on What’s in a BBI Professional Liability policy.
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Are My Tools and Equipment Covered?
Tools and equipment coverage isn’t included in the base insurance policy for deep tissue massage therapists. We offer $2,000 of coverage for $13. You can easily add it to your policy within the application.
I Provide In-Home Deep Tissue Massages, Am I Covered Outside a Salon?
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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:
