Liability Insurance for Hot Stone Massage Therapists

Hot stones can burn and if a client is hurt, insurance can be the key to saving your bank account.

Hot Stone Massage Insurance

Putting heat on the body is a great way to relax muscles and reduce pain. In addition to those benefits, a hot stone massage also helps alleviate stress and improve circulation. As a hot stone massage therapist, you are an expert in helping your clients achieve the benefits that come with this massage method. Along with the benefits, however, is the possibility that an accident can happen.


Per Year

Liability Policy

Program Highlights

  • General and Professional Liability
  • Products-Completed Operations
  • Personal and Advertising Injury
  • Damage to Premises Rented to you
  • Inland Marine/Business Personal Property

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No quote process   •   Instant coverage   •   A+ rated insurance Carrier

massage therapy

BBI is the Liability Coverage you need

While hot stone massages are beneficial, most people are not (hopefully) going to try the practice at home. They come to you because you are a specialist. You have the training to help them in a way they can’t do themselves. You also have a lot of risk that you need to be aware of.

What if a client claims the stones you used were too hot and burned them? What if a client bumped his or her head in your salon and had to go to the doctor? If incidents like this happen, you might be required to pay out of your own personal assets.

Or you could just get liability coverage. Our Beauty and Bodywork Insurance (BBI) policy was created to give professionals and students the hot stone massage insurance they need at an affordable price. BBI's policies are licensed in all 50 states.

Hot stone massage is a popular method today. People are seeing the benefits this particular massage modality offers them and coming to people like you who can help them. Having coverage means you can do the technique with peace of mind and assurance.

Coverages & pricing

** Please note these are brief definitions of coverages and your policy may be more restrictive in its language. It is essential that you refer to the actual policy for a complete description of coverages and exclusions.

liability policy

This policy is for professionals who work in the Beauty and Bodywork Industry.


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liability policy

This policy is for students currently enrolled in a beauty or massage school.
About Student Policy


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Program benefits

  • 24/7 Access to Policy Documents
  • Quality insurance
  • Convenient Online Purchasing
  • No Quote Process
  • Licensed In All 50 States
  • Instant Coverage
  • No Deductible on Liability Claims
  • A+ Rated Insurance Carrier
  • One Policy for Multiple Methods
  • Peace of Mind

1 Additional Insured $15 | Unlimited Additional Insureds $30

General & professional liability limits

General & Professional Liability Aggregate $3,000,000
Products & Completed Operations Aggregate $3,000,000
Personal & Advertising Injury Included
Each Occurrence $2,000,000
Damage to Premises Rented to you $300,000

Additional limits

Inland Marine / Business Personal Property $2,000
Deductible $100

Not ready to buy?

Setup a reminder for the day you want to purchase.

Set a reminder

No pressure. No hassles.

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

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 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

The massage industry is a wide variety of techniques and methods, of which hot stone massage is just one. All of the different types are valuable, and we don’t want to exclude any of them. To learn more about some of the specific practices BBI includes, please click on the links below.