Hot Stone Massage Insurance
- One policy for all your services
- Instant coverage + proof of insurance
- $15 additional insureds | $30 unlimited
- Mobile coverage for wherever you work
Hot Stone Massage Coverage From BBI
Beauty & Bodywork Insurance (BBI) is the best choice for protecting your 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.
What Is Hot Stone Massage Insurance?
Hot stone massage insurance is designed to help protect you and your business so you can help soothe your clients’ pain and stress with minimal professional stress of your own.
When accidents do happen, insurance keeps you from having to pay out of pocket to make things right.
BBI’s hot stone massage insurance policy combines professional and general liability coverage, which can cover the products you use, your completed services, the space you rent, and non-physical operations like advertising.
Focus on your clients with BBI’s essential coverage.
Don’t Get Burned
You don’t have to go it alone if things overheat. With BBI, you can get help paying for claims like these.
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.
You don’t have to go it alone if things overheat. With BBI, you can get help paying for claims like these.
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.
How Much Does Hot Stone Liability Insurance Cost?
BBI’s insurance for hot stone massage professionals starts at $9.99/month or $96/year. The policy includes $3 million in general and professional liability coverage for the year at an affordable rate.
Optional add-ons are available so you can create a policy that meets your unique needs! Learn more about massage therapist insurance cost.
Why BBI for Hot Stone Massage Insurance?
BBI helps relieve the stress of getting massage insurance. Work more confidently and efficiently with:
- Excellent-rated carrier
- Occurrence-based coverage*
- High limits at an affordable rate
- Monthly or annual payment options
- Instant coverage in just a few clicks
- Online dashboard for 24/7 policy access
- On-the-go coverage – work where you want!
- Licensed insurance agents on standby to help
- Multiple coverage tiers for your business property
- Plus much more!
*If you purchased your policy after July 1, 2024, your policy is an occurrence-based policy. If you purchased or renewed your policy before July 1, 2024, your policy is a claims-made policy and is eligible to become an occurrence-based policy after July 1, 2025.
Quote-Free Hot Stone 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 hot stone 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 massage table, stones, 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 spas, rented stations, landlords, and more.
$6.58 / month
Cyber liability coverage can pay for claims arising from cyber attacks on your business.
Good for: 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.
More FAQs About Insurance for Hot Stone Massage Therapists
What Is Covered in a Hot Stone Massage Insurance Policy?
BBI’s hot stone massage insurance includes:
- General liability insurance to cover third-party injuries or property damage like slip-and-falls or oils ruining a client’s expensive handbag.
- Professional liability insurance to cover claims arising from dissatisfied clients or allegations that you made a professional error.
- Personal and advertising injury coverage, to help with claims involving libel, slander, copyright infringement, or false advertising.
- Fire legal liability coverage for accidental damage to your rented workspace.
- Products and completed operations coverage, to help cover products you use and the completed massage services you provide.
- Medical expense limit to quickly cover third-party (client or other) medical fees, whether or not you’re at fault.
These coverages make up your base policy. Add on extra coverage based on your needs!
Can My Insurance Cover Multiple Disciplines if I Offer Hot Stone Massage Along with Other Therapies?
Yes! Your massage therapy policy can cover you whether you practice one or multiple modalities. Some modalities like cupping and acupuncture require additional endorsements. Review your policy language and exclusions for specifics on your policy.
Do Hot Stone Massage Therapists Need Insurance?
We recommend carrying insurance because there’s always a chance someone might react negatively to the stones or additional techniques you use during a hot stone massage.
Even one claim can cost thousands of dollars, and put your personal financial assets at risk if you were sued.
Additionally, many franchises or owners require candidates to have hot stone massage therapy insurance before hiring or contracting with them.
Your Hands Are in Great Hands
Let our happy policyholders tell you all about it.
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:
